Does the IRS refund site say that they issued your refund? When does it say that the refund was issued? Have you allowed up to five days for it to post to your account? Did you choose to have the TurboTax fees deducted from your federal refund? That takes some extra time.
What date was the federal tax refund issued? - https://www.irs.gov/refunds
As stated by the IRS - https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions
Please wait 5 days after we’ve sent the refund to check with your bank about your refund, since banks vary in how and when they credit funds. (It could take several weeks before you receive a mailed refund check.)