Republic Bank & Trust Dishonesty, conniving, unreliable Internet
This company has been doing this to almost everyone who uses them. Most people don't even know that the money is going to them. When we choose to have our e-file fees deducted from our refund (on TaxAct in my experience), it's not made obvious that it goes to Republic Bank first. This "bank" will hold your money longer than necessary. Direct Deposits happen immediately, not in four days. When the IRS sends the money via direct deposit, all they need to do is transfer it to the customers account. That's it. There's no reason to hold it. Go to any bank in the country and do a bank transfer... see how long it takes.