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After you file
@Chancej32 Were you having your TurboTax fees deducted from your federal refund? If so, then the refund would have been sent back to the third party bank instead of to the IRS. You have not said why the bank rejected your refund----was your account closed or did you give incorrect banking information and have wrong account or routing number when you filed the return?
If you were having the fees taken out of your refund, try checking with the third party bank:
Santa Barbara Tax Products Group, LLC (SBTPG) is the bank that handles the Refund Processing Service when you choose to have your TurboTax fees deducted from your refund. This option also has an additional charge from the bank that processes the transaction.
You can contact them SBTPG, toll-free, at 1-877-908-7228 or go to their secure website www.sbtpg.com
https://ttlc.intuit.com/questions/2580357-who-provides-the-refund-processing-service
Otherwise----your refusal to have the payment traced is not working out for you so far -- is it?