Did you speak to the IRS, or does this IRS WMR tool says the funds have been sent?
https://www.irs.gov/refunds
In either case, if the IRS has actually sent the funds, the IRS says to allow up to 5 days due to variations in bank processing procedures and times.
However, there may be another link in the chain if you used the following service:
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, you can check on the funds at the level of the intermediary company (SBTPG).
If that is your situation--i.e., if you DID choose to pay TurboTax product fees out of your Federal refund--then here's how to check on it at SBTPG's website using the SBTPG refund lookup tool.
To log in, choose the "For taxpayers" portal at:
https://www.sbtpg.com/
SBTPG also has a phone contact page at the following link. It also shows their business hours. Even when they are closed, you may be able to get automated info, or you can log in as above.
https://help.sbtpg.com/hc/en-us/articles/230084587-Contact-Information
