The PATH Act applies to early filing season each year. It started last year.
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.
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. If you did not use that service to pay fees, then this paragraph will not apply to you.