The NEC requires that neutral be bonded to ground at a single point, normally the service entrance, and _only_ at that single point.
The main panel will typically have the bonding jumper, but all subpanels will not.
In many panels, a single buss bar is provided, with a bonding screw to the enclosure. When used as a main panel, the bonding screw is installed. If you have only one panel, this is probably what you have. When used as a subpanel, a seperate ground bar is installed, and the bonding screw is removed.
If you have a seperate meter base and disconnect/main breaker, or meter/main disconnect combo, with a seperate panel, the bonding jumper should be located in the main disconnect, and generally not in the panel. which should have seperate ground and neutral busses. The ground is normally not located in the meter pan.
If you have a combined meter/main panel, it should have the bonding screw. All other panels are subpanels, and need to have the bonding screw removed, and seperate ground and neutral busses installed.
The rules vary a bit for detached structures. Generally, if there is a single electrical feed, and no other ground path (such as telephone, or CATV), then it may be possible to consider the feed to the structure as a seperate service, with it's own ground, and no ground wire is run between the structures. If there are multiple ground paths, or multiple circuits, then the structure may need to be tied into the main grounding system, and no local ground used. Check with your local authority about local code requirements.
Generators are another fun area. A lot depends on whether the transfer switch transfers the neutral, and the presence of accessories such as block heaters, battery chargers, etc. Again, check with your local authority.