It said refund transfer but I don't have any money
"I don't have any money."
It's not clear what that means. What is the context for that statement; i.e., what does it refer to? Are you saying you haven't received the Federal refund in your account yet, or are you saying you don't have any money to pay any TurboTax fees (if you were emailed a bill)?
What said "refund transfer"??? Did the IRS "Where's My Refund" tool at this link say your refund has been sent?
If so, it can take up to 5 days due to variations in a receiving bank's processing times and procedures, but it usually doesn't take that long. If that IRS tool says the refund has been sent, we may be able to tell you how to check something else.
Did you have any TurboTax fees that you chose to pay out of the Federal refund? If so, the funds go first from the IRS to a temporary account at an intermediary bank where the fees are subtracted. Then that intermediary bank sends the rest of the funds on to your bank (or card.) If you used that method to pay fees, and if the IRS has actually released the funds, we can tell you how to check on the funds at the level of the intermediary company (SBTPG) using SBTPG's refund lookup tool.