Remember, the IRS and state pay refunds independently. Are you thinking of your overall total? Maybe one or the other agency hasn't made a payment yet.
If the IRS reduces your refund, they will send a letter explaining why, but this takes 3-4 more weeks after the refund is paid, you may need to wait for their explanation. They may have disagreed with your income or some of your deductions. I assume that state tax agencies send similar letters if they make adjustments.
You can check your online account with the IRS to see what amount they actually paid, you can look up the same information for your state tax refund.
If you used refund transfer, then SBT bank will deduct the agreed fees and send you the rest, whatever it is. If the IRS reduced the original refund, you will get less from SBT, but that is because of the IRS, not SBT or Turbotax.
