How did you pay your product fees? Did you have any TurboTax fees that you chose to pay out of the Federal refund?
If so, the funds go first from the IRS to a temporary account at an intermediary bank where the fees are subtracted. Then that intermediary bank sends the rest of the funds on to your bank (or card.) If you used that method to pay fees, we can tell you how to check on the funds at the level of the intermediary company.
