First TT is just a DIY income tax program you use for a fee and you contracted with a bank to receive the refund, pay off the TT fee, take their processing fee out and send the balance to you via a DD to your bank or to a pre paid debit card. If you don't like the deal then don't do it ... pay the fee upfront or if you qualify use one of the 9 IRS FREE FILE option. FYI ... ALL income tax programs and most brick & mortar stores all use the same 3 processing banks that have the same clause in the contract you signed to avoid paying the fees upfront.
Now if they try to debit your account and cannot then eventually it could go to collections however most times they just wait until you try this again next year when they can collect and/or just wait for the federal refund to come thru since the refund is still heading their way once it is finally released.
And FYI changing companies/banks will not work as they all share a "hit list" and will collect for each other.
