I paid my fees out of pocket and not with my refund. WMR is refund sent to bank but there’s nothing in my bank.what can I do or talk to help me track my refund?

[DoninGA]

It can take up to 5 days before the deposit is available with a bank.

[VolvoGirl]

If your bank number was wrong or something and the bank rejects it the IRS will mail a check to the address on your return.