after a return is accepted, Turbotax gets no further info. the 21 days is an estimate. did you ask to have the fees taken out of the refund? then it goes to a third party bank to take out the fees and forward the balance. so it may take a few more days. other reasons are a bad routing number, account number or an issue with the names on the account vs the refund. in these cases the refund goes back to the IRS toi issue a paper check
