The banking institute can actually hold on to it for a few days prior to distributing it to you. Call your bank and ask them is there a pending deposit from the Dept of Treasury? If there is, you are good and they will tell you when it will be released. If there isn't, then it can be up to a week. If you look at the "WMR" status, it will say between date of:
Just because it isn't there day 1, doesn't mean you won't get it. You will, just hang in there.