It’s says my return is here, but it’s not in my account

If you are referring to information from TurboTax, that is just an estimate.

Only the IRS and your State control when and if a Federal or State tax refund is Approved and Issued.

If accepted by the IRS use the federal tax refund website to check the refund status - https://www.irs.gov/refunds

What is the status of your federal tax refund on the IRS website?

Your tax return is the form you send to the government that shows your income and calculates your tax. The money the government sends back to you is your refund.

What is "it" that says your refund is here, and where is "here"? What exactly does "it" say? Are you talking about your federal refund or your state refund? They are sent separately, by different agencies.

If Where's my refund? on the IRS web site says that they sent your federal refund, it could take as much as a week after they send it before it appears in your bank account. If you paid your TurboTax fees from your refund it could take a little longer because it has to go through an intermediary bank to take out the TurboTax fees.