never received tax return in bank account. IRS says it was sent on february 5th. it is now february 14th.

[mesquitebean]

Was it to go directly from the IRS to your bank account?    Or did you choose to pay any TurboTax fees out of your Federal refund?  

If you paid fees out if, then it would go from the IRS to an intermediary bank account at a third-party bank where the fees are subtracted.   Then that intermediary bank sends the rest on to you in a second direct deposit.  That process is handled by SBTPG (Tax Products Group).

If you are sure the IRS has released and sent your funds (check with the IRS "Where's My Refund" tool), you can log in at SBTPG to see the status of your funds.

To log in, choose the "For taxpayers" portal at:
https://www.sbtpg.com/

SBTPG also has a phone contact page at the following link. It also shows their business hours.  Even when they are closed, you may be able to get automated info, or you can log in as above.

https://help.sbtpg.com/hc/en-us/articles/230084587-Contact-Information