I really appreciate you taking time for your thoughtful responses, @VolvoGirl ! To be more frank, my concern is less about being charged twice (which I agree is highly unlikely; or easily fixed with a call in the off chance it happened).
my post -- and really my vent -- is that according to the IRS agent, I met in person (confirmed by a second agent I met with by phone), The processing of my return is delayed ar least 9 weeks because I chose to use the Pay With My Refund option in the first place.
This service (which ultimately does have a premium $44 fee to use on top of the standard TurboTax fees), instead of being a convenience... is the ultimate cause for a multiple month delay on my refund.
Others may want to know this is something to consider before electing to Pay With My Refund.
