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After you file
They send 3 emails over a course of weeks reminding you that they will be debiting your account. I’m that time you could call and have them defer the payment.
It’s in the small print that you agreed to when agreeing to have the fee taken out of your refund, including the fact of after some time your refund isn’t sent out, that you could be debited. It’s not wrong for them to want payment for their services, which is simply to prepare your return and send it out. You agreed to pay for the services regardless. It’s not TurboTax’s fault that there is a pandemic and the IRS doesn’t have its sh— together.
also, TurboTax has never been free unless you meet the income limits or only receive w-2, no benefits, no investments, etc. It says “start for free, pay when you file.”