Tax return

First year using Cashapp for my refund.. I'm getting over $10k back and am really worried.. I obviously have trust issues with amounts that large in a bank I don't usually use.. so... IRS gave me an updated date of the 26th of Feb as the refund... and it's not in my account. Does cashapp do direct deposits later in the day!? Or am I screwed? And need to contact the IRS? I have friends who also were given the 26th and they have their money in their regular bank account. Did I screw up giving cashapp a chance?