First the consumer should be aware that using the refund processing service is an option not a requirement so you need to think hard about using one and paying the extra fee. If you can use one of the totally free tax filing options available thru the IRS FREE FILE program then do so or pay the program fees up front and leave the third party processing bank out of the mix when at all possible.
Next there are only a few banks that handle these "RAC" products and only 2 that handle the volume of business that TT & H&R Block produces each year so the banks they can use are very limited. Most of the refunds flow thru the processing bank without issue however not all of them ... some require special handling for some reason and are stopped for further review. If your refund has been held up at the processing bank then only you can contact them to find out why and what to do about it. TT and Intuit cannot help in any way or get involved with the bank process on your behalf.
