First of all, today isn't over yet. If the IRS says they will deposit your refund today, it doesn't mean they will do it first thing in the morning.
Secondly, the amount of time that it takes for a bank to post a deposit to your account varies. They do not necessarily post a deposit the instant that they receive it. Even if the bank gets the deposit from the IRS sometime today, it might not appear in your account until tomorrow, or even later. Different banks take different amounts of time to process deposits.
The information in "Where's My Refund?" on the IRS web site is updated only once a day, overnight. Whatever it says this morning, it's going to say the same thing all day. There is no point in checking it more than once a day.
Did you use the option to have your TurboTax fees deducted from your refund? If so, it does not go directly from the IRS to your bank. It has to go through an intermediary bank that deducts the fees and sends the remainder to your bank. That process takes extra days.
