This happened to me too and the bank has zero info on my federal return. They told me it’s not there nor is it pending 😪
I'm sorry, but "me too" is not enough info to confidently understand your situation. This thread has many different users in it.
When you check the IRS "Where's My Refund" tool, what do you see there? Does it say that your refund has been sent?
If the IRS WMR tool says they have sent the funds, they also say to allow up to 5 days due to variations in bank processing procedures and times. But it usually doesn't take that long.
And there could be another link in the chain.
Did you have any TurboTax fees that you chose to pay out of the Federal refund? If so, the funds go first from the IRS to a temporary account at an intermediary bank where the fees are subtracted. Then that intermediary bank sends the rest of the funds on to your bank (or card.) If you used that method to pay fees, and if the IRS has actually released the funds, we can tell you how to check on the funds at the level of the intermediary company (SBTPG) where you can log in to check on it or use their automated phone system. If you did not use that method to pay fees, then this paragraph won't apply to you.