Does the IRS WMR tool say the funds have been sent? If so, the IRS FAQ page says to allow up to 5 days due to variations in bank/card processing times.
But there may a place you can check now, IF you used this service:
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 an intermediary bank where the fees are subtracted. That bank then later sends the rest of the funds on to your Card. If you used that service to pay fees, we can tell you how to log into your temporary account at the intermediary company to check on the funds.
