The IRS says to allow up to 5 days due to variations in bank processing times/procedures.
However...there may be another explanation:
Did you have any TurboTax Fees that you chose to pay out of your Federal refund? If so, your funds go first from the IRS to a temporary account at an intermediary bank where the fees are subtracted. If you used that service, we can give you more details, and how to log into the intermediary company to check on the funds.
yes that service was used to pay a service fee. please send more details about my funds
If you chose to pay your TurboTax fees out of your Federal refund, your funds will first go to a temporary account at an intermediary bank--either Civista Bank of Sandusky, Ohio, or Green Dot Bank. At the intermediary bank the fees are subtracted, then the rest of your funds are sent on to your bank in a second deposit. The company that handles that is SBTPG (Santa Barbara Tax Products Group.)
Less commonly there can be delays at the intermediary bank, and additional ID info, etc. might be required.
If for any reason the second deposit fails (the one that is actually to your bank), it will bounce back to SBTPG's bank who will issue you a paper check in the mail.
Once the IRS has released your funds, you can log into your temporary account at SBTPG to see the status of your funds.
To log in, choose the taxpayer portal at:
https://cisc.sbtpg.com
SBTPG
also has a 24-hour automated phone line with information about your refund, as well as
live support during the day. Here is the contact page. At the page below scroll down about half way to
see the Live Support number and 24-hour automated support number.