After you file

If the refund was going directly to your bank account ....

If it's been "processing" longer than 21 days since it first showed up at "Where's My Refund", you can phone the IRS to inquire and see what you can learn about the delay. They may be reviewing something on a return, or some filers have to provide additional documents, etc.

IRS: 800-829-1040 hours 7 AM - 7 PM local time Mon-Fri

When calling the IRS do not choose the first choice re: "Refund", or it will send you to an automated phone line.
 
First choose your language.
Then press 2 for "personal income tax".
Then press 1 for "form, tax history, or payment".  
Then press 4 "for all other questions."
Then press 2 "for all other questions." It should then transfer you to an agent, but there is likely to be a long wait.


If you used the refund processing service or were getting the refund on a NetSpend card ....

The refund needs to go from the IRS >>> to the third party bank >>> to your bank account/or the NetSpend card.  This process can take up to 3 business days depending on your bank's time table for posting deposits.  Check with your bank and make sure that you entered the correct routing & account numbers on the return.  If they are wrong or your name is not on that account then your bank may/will refuse the deposit and the processing bank will convert your deposit to a paper check.

Check the IRS :  https://www.irs.gov/Refunds

Check  SBTPG by logging into their website at:  https://cisc.sbtpg.com/

Or you can get 24-hour automated info by phone at:  https://cisc.sbtpg.com/contact.aspx

Check at netspend :  NetSpend Customer Service Line 1-855-646-8848.

https://www.netspend.com/help/contact_us.shtml