After you file

If you used refund processing to pay your Turbotax fees, then contact www.sbtpg.com.  SBTPG bank is supposed to open an account in your name, receive the deposit, deduct your fees, and then send the rest of the money to your regular bank. This is because the IRS will not split a refund between the taxpayer and a tax preparer.  The SBTPG account number will show on your tax return to the IRS, while your own bank account number is sent to SBTPG via separate channel.

If there are any problems (such as, your bank rejects the deposit from SBTPG, or your account number is wrong), then SBTPG will hold the refund until they verify your identity and mailing address, and then mail a check.  They are supposed to notify you by email but you may need to contact them, in case the email was lost, put in a spam filter, or never sent.  (The verification process is a new step this year because last year they were apparently tricked into sending some checks to the wrong people.) You may contact SBTPG, toll-free, at 1-877-908-7228 or go to their secure website www.sbtpg.com if you need more information.

If you did not use refund processing, and simply included an incorrect account and routing number, the receiving bank should have rejected the deposit.  You can use this form to request an IRS refund trace https://www.irs.gov/Help-&-Resources/Tools-&-FAQs/FAQs-for-Individuals/Frequently-Asked-Tax-Question...