So if your bank account was listed then you didn't ask for a check but to get Direct Deposit. I would go back and look through your bank statements starting when you filed or when the IRS says they sent it. Maybe they adjusted your return and sent a different amount so you missed seeing it in your bank account. Do you know the exact amount the IRS sent?
Did you pay the Turbo Tax fees with a credit card or had the fees deducted from your refund? If you had the fees deducted there was also an Extra $40 Refund Processing Service charge (45 in California). So you might not have recognized the deposit amount. When you have the fees deducted it does go through a 3rd part bank to take the fees out. Then they send the rest to your bank.
What is the Pay with Refund Processing Service
https://ttlc.intuit.com/community/choosing-a-product/help/what-is-refund-processing-service/00/25889
Who provides Pay with Refund?
https://ttlc.intuit.com/community/refunds/help/who-provides-pay-with-my-refund/00/26410
