If the Where's My Refund? tool shows stage 3: (1) Return Received, (2) Refund Approved,
and (3) Refund Sent, then it can take up to 5
days to hit your account. It all depends on your
financial institution and how long they take to process deposits. Since
you are past the 5 days at this point, I would definitely check
with your bank and if they don't have any
information, then contact the IRS at 1-800-829-1040 for further
information.
Hope this helps!
