What is displayed at the IRS "Where's My Refund" tool?
https://www.irs.gov/wheres-my-refund
Is your Federal refund supposed to come directly from the IRS to your bank account (or card?)
Or did you use any of these options? "Pay fees out of refund", or "up to 5 days early" offer, or Refund Advance? Those options use a third-party intermediary bank to first receive the funds from the IRS before they send the rest on to you in a second direct deposit.
