if you're referring to Turbotax's date, that's just an estimate. your refund could take longer. check the iRS refund site for the status. if the date is from the iRS, if you got an advance or asked that Turbotax fees be paid out of your refund, it first went to a third-party bank to split the refund between what you owe Turbotax and the balance. it then sends on the remaining refund using the direct deposit info.
also, some banks hold a deposit 2-3 days "for processing"
