Does this IRS "Where's My Refund" tool say your funds have actually been sent?
http://www.irs.gov/RefundsIf the IRS has actually sent the funds, the IRS FAQ page says to allow "up to 5 days" due to variations in bank processing procedures and times.
However, there may be another link in the chain that you can check if you used the following service:
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.
And how did you choose to receive the refund--direct deposit to your bank or direct deposit to a Turbo Prepaid Visa Card or other prepaid card?