If the refund is delayed then the TT fees only (+ sales taxes if any) are debited from the account that the refund was to be deposited to ... this was what you agreed to twice in the interview ... you signed a contract with the processing bank. Save a PDF of the return with all the worksheets to see the contract in writing.
When or if the refund is ever released to the processing bank then only the bank processing fee will be withheld and the balance of the return sent to you. Bank fee is $40 ($45 in CA).
