After you file


@RM81 wrote:

Same thing happened to me with the same bank


I'm not sure which "same bank" you are referring to.   Two different scenarios are presented in this thread.

Did you read all the answers in this thread about MVB Bank's administration of the Credit Karma Money Spend account and Credit Karma Visa Debit Card?   Did you choose that as a refund method?

 

And/or there could be another step in the chain:

If you chose to pay any fees out of the Federal refund, the refund goes first from the IRS to a temporary account set up by SBTPG (aka Tax Products Group or TPG) where the fees are subtracted.   SBTPG's intermediary bank then sends the funds to one's final deposit destination.