It takes additional time for refunds to be processed after leaving the IRS, and for financial institutions to accept and deposit them to bank accounts and products like debit cards. Also, many financial institutions do not process payments on weekends or holidays, which can affect when refunds reach taxpayers. You can see more information on this topic here https://www.irs.gov/individuals/refund-timing.
After 5 days check with your bank about your refund, since banks vary in how and when they credit funds. You can see this and answers to other questions on the IRS FAQ page.
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