It can take your bank (or the card issuer) 1-5 days to credit the deposit. If you are having TT fees deducted from your Federal refund, this can add a day or so.
More generally, the IRS issued a slew of refunds on Wednesday, Feb 27. It's likely that banks (including the one that takes out TT fees) are dealing with a large quantity of incoming deposits in their pipelines. This can result in delays.