@ 678fg-gmail-com wrote:
The IRS send out I have not received it by mail or bank acount
What message is seen at the IRS "Where's My Refund" tracker tool?
https://www.irs.gov/refunds
Does it say your refund was sent and an expected deposit date?
When you filed, what did you choose for your Federal refund--direct deposit, or a check in the mail? If you chose to get a check in the mail, you may get a letter from the IRS.
Did you have any add-on option that uses a third-party bank as an intermediary to first receive your funds from the IRS, such as the "pay out of refund" option, the "up to 5 days early" offer, or Refund Advance?