Why hasn't by Tax return been deposited yet?

I spoke with the IRS (after being on hold for 40 min), and they say the direct deposit has gone out, and verified the routing # and acct#. I spoke with my bank, and they say it could take a couple days, or it might have been rejected because my wife isn't on the account. Basically they say they know... show more I spoke with the IRS (after being on hold for 40 min), and they say the direct deposit has gone out, and verified the routing # and acct#. I spoke with my bank, and they say it could take a couple days, or it might have been rejected because my wife isn't on the account. Basically they say they know nothing.

My question is how long does it take once the IRS "direct deposits" the refund until the bank actually deposits it or knows what happened?
Update: that should say my not by. Thanks.
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