Also, if you chose to pay any TurboTax fees out of your Federal refund, your direct deposit (of a Federal refund) would normally come from an intermediary bank, which receives the money from the IRS then subtracts the fees before sending the rest on to your bank account (or card). So if you DID use that payment method, and if a deposit from the intermediary bank to your bank account fails, it would go back to the intermediary bank. That process is handled by SBTPG (Tax Products Group), who would then mail you a paper check in the mail. In some less-common circumstances, SBTPG returns it to the IRS.
