Wouldn't you be able to see it reflecting or pending on online banking? I doubt it's the bank. If they search on the Where's My Refund Tool and it says processing (like me) then it's unlikely that the bank has it. It simply hasn't been approved.
I'm wondering why it hasn't been approved when I filed on Jan. 27, I don't have any of the credits that are purposely held longer (like EITC) , and I received my state refund already.
