Once the IRS says that the deposit was paid, and if you used direct deposit into your bank, it should take 0-3 days for your bank to make the funds available.
If you used Refund Processing to pay your fees from your refund, the money goes to a third party bank who open an account in your name, deduct the fees, and send the rest to your regular bank. That adds 1 day under most circumstances. If you don't hear anything after 3 days, contact them at 1-877-908-7228 or go to their secure website www.sbtpg.com .
Sometimes taxpayers find that they have made mistakes with their bank account number, in which case the IRS or SBTPG will mail a check in 3-4 weeks.