Did you have the fees deducted from your refund? Then it goes though a 3rd party bank to take the fees out.
Or one poster found this.....
The refund was sent to a bank I didn't recognize because Schwab where I have an account uses an intermediary bank, JP Morgan. So the refund was in my Schwab account which has little activity and I had not checked. I had not had a refund in so long, I did not remember the default account I had set up years ago for refunds.
Or, did you log into Turbo Tax by going though an investment website like Fidelity? Those have been known to change your deposit to your investment account. So check all your accounts if you have those.
