TT fraud

So TT (Cross River Bank) Recieved my return, took out prep fees, denied the 5day early option, and are STILL SITTING ON MY REFUND.

isnt that fraud? Are they collecting interest off my return?!???

Is this legal? 
I was under the impression they had 24 hours to re-route the deposit into the taxpayers account.

Im a half a heartbeat away from contacting the FDIC.