How come my bank isn't seeing the money? Wasn't it direct deposit?

After you file

Once the IRS approves your return you will typically receive your refund within 21 days.https://www.irs.gov/refunds/what-to-expect-for-refunds-this-year
The exception would be if you are claiming the EITC/ACTC you will not receive a refund until late February. https://www.irs.gov/individuals/refund-timing
You can always check the status of your refund here:https://www.irs.gov/refunds

https://ttlc.intuit.com/replies/3300211

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