If you asked to have your Turbotax fees deducted from your refund, you also agreed to
- a $40 service charge, and
- to pay your Turbotax fees from a credit card if your refund was delayed.
It sounds like that is what happened. The issue is that, in order to have your fees deducted from your refund, your refund has to be sent to SB, who open a temporary account in your name, deduct the fees, and send the rest of the money to your regular account, and close the temporary account. That's why they take an extra $40. When you e-filed, the bank account on your tax return that went to the IRS was the number of the temporary SB account, the IRS did not see your regular bank account number.
That means that after your refund is finally paid, it still has to go to SB, it can't go directly to you, because the IRS does not accept requests to change the deposit account. So SB has to do the same opening and closing of the temp account so they can transfer your refund to you. So they still charge $40.
If you don't like these terms you shouldn't have agreed to them. Next year, pay up front and that way the IRS gets your real bank account number instead of the SB number. The fact that the IRS had so many taxpayers with SB bank accounts instead of real bank accounts also screwed up the stimulus payments for many people. I personally would never agree to have the IRS to send my refund to any account except my one and only real checking account.
If SB deducted the $40 charge plus the Turbotax fees which you already paid, that is a mistake and you need to call customer support.
