"I paid for payout to be put into the bank..."
You did not pay any extra fee to have a direct deposit. If you paid a "refund processing fee" that fee was to have your TurboTax fees deducted from your federal refund instead of paying your fees upfront using a credit or debit card. There is never an extra fee for direct deposit. The refund processing fee went to the third party bank that received your refund from the IRS, extracted your TT fees to send to TT, took the $40 for itself ($45 in CA) and sent you the rest----either as a direct deposit or as a check mailed to the address on your tax return. The third party bank may have mailed a check to you if there was a problem with the direct deposit information you entered.
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
