Ok ... simply put ... the refund goes from the IRS to the processing bank ... at no time does it go to TT.
Next the processing bank withholds the TT program fee & their processing fee and sends the remainder of the refund to the taxpayer. If the DD is refused by your bank then the processing bank can convert the deposit to a paper check mailed to the address you had on the tax return and it does come in a plain white envelope with only the return address on it which can be mistaken for junk mail. The processing bank can also hold the money for any reason they deem necessary and may require you to provide them with some extra security details before the funds can be released. Your only option is to contact the processing bank as already mentioned in this thread. And after a certain time passes the processing bank may send the remainder refund back to the IRS.
