If the Where's My Refund? tool shows stage 3: (1) Return Received, (2) Refund Approved, and (3) Refund Sent, then it can take up to 5 days to hit your account. It all depends on your financial institution and how long they take to process deposits. Since you are past the 5 days at this point, I would definitely check with your bank and if they don't have any information, then contact the IRS at 1-800-829-1040 for further information.
Hope this helps!