If my refund check was rejected from bank due to closed account, how long does it take TurboTax to send n me receive the check?

@ amykaterichmess  asked:  "If my refund check was rejected from bank due to closed account, how long does it take TurboTax to send n me receive the check?"

There's not a good way to know the time frame since there are too many different paths the rejected refund could take., since it also depends on how complex your refund choice was as I'll explain below. 

       I'll assume you meant a direct deposit was rejected due to the closed account.  The bank would most likely send it back to whoever sent it to the bank.

        Was the attempted deposit directly from the IRS, or was it from a third-party intermediary bank?   A third-party bank can be involved if you chose any of these options:  "pay fees out of refund", the "up to 5 days early" offer, or Refund Advance.

      Do you know whom the rejected direct deposit was from and whom they returned it to?  The bank would probably tell you.

        If the IRS was the one that sent it to the bank, it will go back to the IRS.  In that case, the IRS "may" send you a letter (called a CP53E) offering you a second chance by letting you correct the deposit information, and if not done, the IRS would ultimately send a check in the mail to the address on the return.

       If a third-party bank was the one that sent the funds to the bank, then the bank would likely send the funds back to that third-party bank, which would then usually send you a check in the mail to the address on the return.   However, in some instances, the third-party bank sends it back to the IRS to let the IRS handle it.  

       For example, IF you paid any fees out of your Federal refund, that is usually handled by a company SBTPG (Santa Barbara Tax Products Group) which is a Green Dot company.  And IF you used that payment method, here's the lookup tool on SBTPG's website:  choose the taxpayer portal at:
https://www.sbtpg.com/

        Occasionally a different third-party bank is involved with that process.   If you did not use that method to pay fees, then that does not apply to you.