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An offset is difficult once the refund has been taken. IRS offset due to hardship is possible, particularly for federal tax debts, but requires prompt action and proof of significant financial hardship. Contacting the IRS or the Taxpayer Advocate Service is recommended for personalized guidance

For 2021 you can no longer remove the ccntribution plus earnings without penalty.   ----- after tax due date including extensions: you distribute the excess amount being carried forward on 5329, (or offset it with currently allowed contribution) . Amended return(s) will be needed supplying that Form 5329 since there is a 6% penalty per year on accreting excess contributions . Earnings stay in the Roth account. Consult your custodian to obtain the correct removal form for this case. -- By removing now (2025) your last penalty will be on 2024 tax return. You can't get a waiver on the penalty for this scenario.   @jliangsh 

in terms of making the payments you can do that direct at irs.gov, be sure to give the correct classification as estimated tax and 2025 tax year.   to avoid underpayment penalty you need to pay thru withholding or timely (quarterly) estimated tax, the smaller of 100% of your 2024 tax (110% if your AGI > 150k or 75k for MFS filing status), or 90% of your 2025 tax.  That's your safe harbor amount.  See lines 1-9 on Form 2210 for the calculation.  Withholding is always considered "timely" but estimated tax needs to be paid quarterly.   If you had a significant increase in tax for 2025 then you may be better off paying ES based on 2024 tax depending your situation, first step is to make that calculation.  Paying based on 2024 is the simplest calculation since the tax is known, the only variable is 2025 withholding, and it doesn't matter how much your 2025 income is or when it occurs, but it can often be an overpayment if you fall into that 110% high income requirement, or your income is flat or declines from year to year.  If you filed with TT with 2024 it would have produced estimated tax vouchers (which you don't need to follow) based on 100/110% of 2024 tax as default and assuming your 2025 withholding is the same as 2024.   Whether you pay quarterly ES based on 2024 or 2025, if you didn't pay ES for Q1/2 already but now it's July, you will incur a penalty, but you can stop the penalty from accruing if you catch up that missed quarterly payments now, and make the 3rd payment by the Q3 deadline etc.   The other option, if your additional investment income is uneven and more towards the later half of the year, you can pay ES unevenly to line up with it (another good example is a Roth conversion in December that couldn't be planned in quarterly ES payments thru the year) and then file Form 2210 Annualized Income method, but you will need to calculate your AGI, Qualified Dividends, Long Term Cap Gain etc for each quarter (3/31, 5/31, 8/31).  This is handled in TT under Other Tax Situation / Underpayment Penalty when you file next year.  But if your income is incurred evenly thru the year, this method may not help eliminate the penalty as it will still show that you were late paying ES that were actually due in Q1-2.   More info see https://www.irs.gov/faqs/estimated-tax and https://www.irs.gov/pub/irs-pdf/i2210.pdf   Not a CPA please research accordingly, hope this helps.

How did you prepare your return--Online TurboTax or the desktop version?   If you were surprised it went by direct deposit to a bank, what did you choose for your refund option when you filed?   How were  you thinking it was going to be handled?    Did you choose direct deposit?  Be aware that the IRS will also say it went to a bank, even if it went to a prepaid debit card such as the Credit Karma MoneySpend Card or a brokerage account.   Did you by chance choose the Credit Karma account? Did the IRS give you a bank name, and if so, was it different from your bank account?   Did you have any TurboTax fees that you chose to pay out of your Federal refund?   If so, the IRS sends it to a third-party bank where the fees are subtracted, then that bank sends the remainder to your bank (or card.)   The company that handles that is called SBTPG (Santa Barbara Tax Products Group.)   If you DID use that service to pay any TurboTax fees, we can tell you how to use the refund lookup tool at the SBTPG website.     You can also look at a couple of summary pages in your return to see what the refund choice was.   If you used Online TurboTax, the FAQ below tells you how to get the PDF that contains the worksheets.   Look at a page called Filing Instructions, which may have refund info on it, and also look at a page called 2024 Federal Tax Return Summary.   NOTE:   When you open your return interview to get to the Print Center, do not make any changes in it.   If you ever have to amend anything, it has to start off exactly as filed.   https://ttlc.intuit.com/turbotax-support/en-us/help-article/account-management/find-direct-deposit-account-information-e-filed/L9HUEnN0h_US_en_US   NOTE:  Remember all PDF tax documents and tax data files are very sensitive files, since they contain your personal ID info, financial data, and possibly bank account numbers, etc.  Be sure to store them safely and securely to guard against computer theft, hacking, etc.

You said "return", but I'll assume you mean a Federal tax refund.   First, you need to be sure the return was successfully filed. It depends on how you chose to file the return.   If you filed a paper return by mail, TurboTax does not mail it for you.  If you chose that method, you would have had to print it, sign it, date it, and mail it yourself.  It takes at least 4 weeks for a mailed return to show up in the IRS WMR tool.     If you efiled, double-check to be sure the return was efiled successfully and accepted.  If you used Online TurboTax, you can sign into your Online Account and check the efile status at the Tax Home.   What word is used there for the status: does it show as  accepted, rejected, printed, started, ready to mail, or something else? If that showed it was accepted, (or if you mailed a paper return), you can use the "Where's My Refund" tool at the IRS website below to monitor the status of your Federal refund.   Is there any message there? https://www.irs.gov/wheres-my-refund   Here are some tips when using that IRS tool:   Be sure you enter the correct tax year, SSN, and filing status. Be sure you are using only the Federal refund amount.   Do not include any state refund or any total refund or net refund (Fed and State) that TurboTax may have provided on a summary screen.   Look at your actual Federal return to get the Federal refund amount to use in the tool, i.e., your Form 1040, Line 35a.

Turbo Tax will always say tax due (or refund).  That is just the state of your return when you filed it.  Turbo Tax is not updated when you pay the tax or get the refund.  The IRS and state do not tell them when they get your payment.  Once Turbo Tax efiled your return they are done with their part.   How did you pay it?  Your only proof of payment is your bank or credit card statement showing it coming out.  Turbo Tax does not pay it.  They only send your bank info to the IRS or state for them to pull it out of your account.  Turbo Tax won’t know if or when you paid it.