The $401 should be before the fees are taken out. Check your 1040 line 35a. Did you also do a state return? There is separate fees for federal and state. Then to have the fees deducted from your federal refund is another $40 Refund Processing Service charge (45 in California). So it can really add up. Like $59 for federal and 59 for state plus the 40 or 45 charge is about $160 plus sales tax.
How to review your fees
https://ttlc.intuit.com/community/charges-and-fees/help/how-do-i-review-my-fees-in-turbotax-online/0...
