What time will my check hit my account on the day I'm suppose to receive it? It's not midnight so is it 9am?

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The IRS says they send refunds in 21 days for 9 out of 10 efiled returns. The date is an estimate, an educated guess, a rough idea. In other words, it should not be relied on. The IRS can not say how long that other 1 of the 10 will take. All you can do now is, wait. Wait for the pay off of your interest free loan to the government.

  Check out https://www.irs.gov/wheres-my-refund