A self-consistent exact solution for a Reissner-Nordström black-and-white hole formed as a result of accretion has been considered. Prior to the formation of a black-and-white hole, there is a bulk charged sphere at the center of the system. The occurrence of a turning (bounce) point in the newly formed black-and-white hole is investigated. The occurrence of a turning point was investigated by an example of solution for the accretion of a neutral spherical dust shell. The model equations are written with allowance for the cosmological Λ-term. Within the model under consideration, both the black-and-white hole and its turning point are formed in the already existing Universe; therefore, the black-and-white hole in this model is not eternal .