You will probably have it available tomorrow if that is the day you are supposed to. IRS pays out on Fridays. I think they send it early though because my wife got hers on a Thursday night at about the same exact time as you(745) about a month ago. It probably has something to do with whatever your banks policies are on holds and stuff. Some banks hold it over the weekend, hopefully yours doesnt do that. But if it isnt available tomorrow and the IRS says they paid it, ask your bank whats up. My sister's greedy bank made her wait until Monday. My wife got hers immediately on that Thursday night because she had it loaded to a pre-paid card.