Your tax return is the form you send to the government that shows your income and calculates your tax. The money the government sends back to you is your refund.
Did you select the option to have your TurboTax fees taken out of your federal refund? If so, the refund gets sent to a temporary account at an intermediary bank. The bank pays your TurboTax fees from that temporary account, then sends the rest of your refund to your own bank account.
