21 days from being accepted is how I count for refund

You didn't ask any question, so I'll make some comments in general.

No one can know exactly when your funds will be deposited.  There are too many variables including differences in bank processing times once the IRS sends the funds.

The IRS  says 9 out of 10 filers who efile and choose direct deposit will get their refunds within 21 days.  You can  monitor it with the IRS tool mentioned below.  Some returns take longer for additional processing due to specific items in the return.  Some are pulled at random for more thorough investigation.

NOTE:  If you chose to pay any TurboTax fees out of your Federal refund, that is another link in the chain, since your funds go first from the IRS to an intermediary bank where the fees are subtracted.  Then that intermediary bank sends the rest of the funds to your bank in a second direct deposit.

Also, if you have EIC (earned income credit, aka EITC) or ACTC (additional child tax credit), the IRS will not start releasing those refunds until February 15.  That means people with those types of credits may not start receiving their refunds until around February 27.

How do u count the 21 days is that calendar days or including weekends 

The IRS counts all days when they say 21 days, not just business days. That being said, every year, some returns take longer to be processed. Occasionally, much longer. 

If you can just put it out of your mind, you avoid a lot of frustration if there are delays.