After you file

That TT agent gave you incorrect info. the refund does not go to TurboTax. it goes to a third-party bank that takes out the TT fees and sends the rest on to the a/c you designated.  however, if you put a bad routing or a/c number the remaining refund s still sent electronically to the a/c you designated. the transfer is rejected and eventually ends up back at the IRS to send you a paper check which can take 4 to 8 weeks.