If you chose to have your turbotax fees paid from your refund, that means that your refund gets sent to a third party bank that deducts the fees, then sends the rest of the money to your regular account. This service includes an extra service charge that I believe is $39.99 (although there might be sales tax in some states.)
When you asked for this service you also agreed to the following terms:
1. If your refund is delayed by the IRS, you give Turbotax permission to deduct their fees from your bank account. Turbotax wants to get paid for providing a service, and they have no control over any IRS delays, so they take the money from your account if your refund is delayed.
2. When your refund is finally paid, since it still has to go through the third party bank, that bank will still assess their $39.99 service charge for opening an account in your name and passing the money to you, even though they won't deduct the Turbotax fees a second time.
These fees and terms were all disclosed up front, even if you didn't pay attention. If you did not want to be subject to extra fees, you could have paid for Turbotax up front with a credit card, Apple Pay, or some other method.
