yín / háng / yǐ / jīng / bǎ / zhè / bǐ / tuì / kuǎn / dài / jì / dào / wǒ / de / zhàng / hù / lǐ / le

银行已经把这笔退款贷记到我的账户里了。

The bank has credited the refund to my account.