Banks/cards typically only process electronic deposits on business days, and this was a 3-day holiday weekend.
If you're going by a date provided by TurboTax, that is only an estimate based on a common 21-day target. It could be shorter or longer than that. Go by what is displayed at the IRS website.
What is displayed at the IRS "Where's My Refund" tool at the link below? Does it say your refund has been sent and provide a date? If so, the IRS also says to allow up to 5 days due to variations in different banks processing times.
https://www.irs.gov/wheres-my-refund
Also did you have any TurboTax fees that you chose to pay out of your Federal refund? If so, that's another link in the chain. With that option the IRS sends the refund first to an intermediary bank where the fees are subtracted. Then that intermediary bank sends the rest to your bank account or card in a second direct deposit. If you did NOT choose that option, then this won't apply to you.
If you DID choose that method to pay TurboTax fees, then the third-party company that handles that is SBTPG, and they have a refund lookup tool on their website. If that's your situation, use the "For Taxpayers" portal at:
https://www.sbtpg.com/
