Fact : the IRS sends the refunds as a direct deposit to some bank account OR a paper check mailed to the address on the return... only ... period. If the DD is rejected by the bank then it is returned to the IRS and a paper check is issued.
Fact : If you choose to have the TT fees withheld from the federal refund then the IRS direct deposits to the third party bank and then the balance of the refund (after all fees are paid) is either put to a prepaid debit card, direct deposited to your bank account OR a check mailed to the address on the return.
Fact : If the third party bank cannot complete the DD to your bank account or to a pre paid debit card then they will convert to a paper check mailed to the address on the tax return.
It is up to you to track down the refund.
