The IRS recommends waiting 5 days before contacting your bank if you elected direct deposit, and it could be a few extra days if you elected to have your TurboTax fees subtracted from your refund amount. Tomorrow looks like it will be your 6th business day, so it would be acceptable at this point to give your bank a call and check on the status of your refund.
If this doesn't produce any information, I would double-check the account and routing numbers that were entered for direct deposit, and I would also call the IRS 800-829-1040 (7am-7pm) or check Where's My Refund to see if the status has been updated.
What is happening when
Where’s My Refund?
shows my refund’s status as approved?
We’ve approved your refund. We are preparing to send your refund to your bank or directly to you in the mail. This status will tell you when we will send the refund to your bank (if you selected the direct deposit option). 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.)
Why does it take so long for the funds to show up in my account?
It takes additional time for refunds to be processed after leaving the IRS, and for financial institutions to accept and deposit them to bank accounts and products like debit cards. Also, many financial institutions do not process payments on weekends or holidays, which can affect when refunds reach taxpayers. For EITC and ACTC filers, the three-day holiday weekend involving President’s Day affects their refund timing.
https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions
