I HAVE CHECKED WITH MY BANK AND THE REFUNDS ARE NOT IN THE ACCOUNT. THE ACCOUNT NUMBER IS CORRECT AND THE ROUTING NUMBER IS CORRECT.

IRS shows that the refund has been sent?
<a rel="nofollow" target="_blank" href="http://www.irs.gov/refunds">www.irs.gov/refunds</a>

yes, but my Bank does not indicate a Direct Deposit.

did you choose to have your TurboTax fees deducted from your refund?

Yes.

You will want to contact the 3rd party bank that's in charge of taking the fees and sending them to TurboTax and sending the remainder of the refund to you.

<a rel="nofollow" target="_blank" href="https://www.sbtpg.com/">https://www.sbtpg.com/</a>

Thank you for the explanation.

You're welcome.  Good luck.

If the IRS "Where's My Refund" tool shows that 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.

If you chose to pay your TurboTax fees out of your Federal refund, your funds will first go from the IRS to a temporary account at an intermediary bank--either Civista Bank of Sandusky, Ohio, or Green Dot Bank.  At the intermediary bank the fees are subtracted, then the rest of your funds are sent on to your bank (or prepaid debit card) in a second deposit.  The company that handles that is SBTPG (Santa Barbara Tax Products Group.)

Less commonly there can be delays at the intermediary bank, and additional ID info, etc. might be required.

If for any reason the second deposit fails (the one that is actually to your bank or card), it will bounce back to SBTPG's bank who will issue you a paper check in the mail.

Once the IRS has released your funds, you can log in to your temporary account at SBTPG to see the status of your funds.

To log in, choose the taxpayer portal at:
https://www.sbtpg.com/

SBTPG has a phone contact page at the following link. It also shows their business hours.  Even when they are closed, you may be able to get automated info, or you can log in as above.