The IRS states most tax refunds are completed in 21 days but may take up to 16 weeks. If it has been 12 weeks, you are well within your time.
The IRS needed verification of your identity because of suspected fraud with the tax return. Most commonly that someone besides you was using your name / SSN to get your tax refund. Saying that there was "no need" for this is ridiculous. Would you have rather the this and had the tax return been fraudulent, your refund would have gone to someone else besides you? There would be no way to get it back....
The IRS is only able to tell you what day it's anticipated to go to your bank. This is based on the standard ACH timeline of one full business day They deposited it on Friday, Monday was one full business day, which means at most banks it will be available today. However, if your bank takes longer, there is no way for the IRS to know this.
- Also if your bank has a pre-set ACH time, like midnight, that is the only time your ACH payment will appear.