@ gallows wrote: "then send en email saying you want your 45$... have fun taking those funds from an account that has no money in it "
If you chose to pay your product fees out of your Federal refund, and if your refund has been delayed, and TurboTax has sent you an email saying they plan to debit your bank account for the product fees, you can phone them to ask for a deferment. If you want a deferment, you must contact them by the Tuesday prior to your debit date.
See this FAQ that explains the process. The first paragraph of the FAQ has a special phone number if you have a question or have a hardship and need to ask for a deferment.
Hours are 5AM-5 PM Pacific (8AM-8PM Eastern), Mon-Fri.
If you need to ask for a deferment, you should call them as soon as possible. Once they actually start the debit process, they say they can't stop it.
FAQ: Why was my bank account auto-debited for the TurboTax fees?
https://ttlc.intuit.com/community/charges-and-fees/help/why-was-my-bank-account-auto-debited-for-tur...
The first paragraph there says:
If you’re in need of assistance, call us by the Tuesday prior to your debit date at 1-888-808-1723 to speak with a trained specialist and mention “auto-debit”, or visit TurboTax Support.
