Check's not even in the mail ... yet

Hey, if you were looking for your stimulus payment to be direct-deposited last week (as I was), there may be a catch. I just found out that because I had my Turbo Tax fees deducted from my refund, the IRS will instead mail my check in June. Why? Has something to do with the third-party bank involved, in my case Santa Barbara Bank & Trust. If you were expecting direct deposit, you'll instead get it through the mail if:

• You got your refund through a refund anticipation loan (RAL). The IRS says it will not direct-deposit rebates into such arrangements. Folks who used H&R Block's Emerald Card to hold their refunds, for example, will get mailed rebate checks.

• You paid your tax-prep and/or electronic filing fee by subtracting it from your refund. These arrangements, which use third-party banks -- such as Santa Barbara Bank and Trust for TurboTax users -- are not eligible for rebate direct deposit.