The IRS asks that you allow up to 5 days from the listed deposit date for your funds to appear in your bank account. Also, many financial institutions do not process payments on weekends or holidays, which can affect when refunds reach taxpayers. For EITC and ACTC filers, the three-day holiday weekend involving President’s Day affects their refund timing. Here's more information https://www.irs.gov/individuals/refund-timing.