Correct ... if you paid the fees BEFORE you filed then the refund is DD directly to YOUR bank. However if you choose to have the fees withheld then the refund will still go thru the processing bank even if you pay the fees before the refund is released. The IRS has instructions from you as to where to send the refund and if that is to the third party processing bank which cannot be changed or redirected after the return has been efiled and accepted for processing.
