My refund was accepted on july 12th, direct deposit to my netspend card,where is it

Your tax return was accepted.  Was you refund approved?  Has the IRS sent it?

IRS Where's my refund https://www.irs.gov/refunds/

Make sure you are using the refund amount from your actual federal tax return and not the combined amount Turbo Tax showed you at the end.  That was for federal and state combined.

To elaborate....Accepted just means received for processing.  Approved is a later step, and Issued is an even later step.