The IRS says to allow up to 5 days due to variations in bank processing times/procedures.
However...did you have any TurboTax Fees that you chose to pay out of your Federal refund? If so, your funds go first from the IRS to an intermediary bank where the fees are subtracted. If you used that service, we can give you more details, and how to log into the intermediary company to check on the funds.
