Even if the IRS had no offsets and sent the entire anticipated refund it could have been taken to pay off another debt that the bank is collecting for... so contact them to see what is happening with your specific situation.
Just an FYI ... not that I am accusing anyone ... but having worked with these processing banks in the past (and there really are only a couple of them in this refund processing business) I found out that in the fine print of the contract you agreed to and signed you gave them the ability to take the IRS refund to satisfy certain other debts. I found the most likely culprit is the loan advances you may have gotten with a different tax company but then filed your return with TT for whatever reason. If you did not file with the same company that you got the advance from then they cannot automatically collect the repayment when you filed so these processing banks have a list and they each collect for each other. The banks can also divert funds to other bank debts like CC or mortages and even for court fees or state offsets.
