Just completed a fun morning of figuring out that my refund is being held by their third party bank, Santa Barbara Bank & Trust. SBBT is used when you select the "take fees from my refund", which I did for the first time this year and will never do again.
Without notifying me in any way, SBBT held the refund pending an ID check. To figure this out, I had to track down that the IRS had sent it (easy), that my bank didn't have it even pending (somewhat easy), get someone at TurboTax to tell me about SBBT (hard) and finally talk to someone at SBBT (somewhat straightforward). The net is about a two week delay on my refund.
We're fine to wait the two weeks, just a pain in the ass and a broken process that I figured I'd share so others could avoid it! Next year back to paying with a credit card!