It have been 20 days and I have not received my tax refunds yet

It takes about 21 days to receive your refund from the IRS when you e-file and choose direct deposit as your refund choice. Check your refund status here.

When your tax return is accepted by the IRS you can get a pretty good idea of when you will receive your tax refund from the IRS based on acceptance date in the chart with the article link provided below, but please remember these are only estimates:  https://www.cpapracticeadvisor.com/tax-compliance/news/21123770/chart-shows-estimated-irs-income-tax....

For more on the timing of your refund please see this TurboTax FAQ.

Now, if you claimed the Earned Income Tax Credit (EITC) or the Additional Child Tax Credit (ACTC) you may have a delay.

Please see this TurboTax FAQ: Some 2019 federal refunds are delayed due to the PATH Act for more information. 

Please see these TurboTax FAQ's on why some tax return refunds may take a while to be released:

• Why do some refunds take longer than others?
• What if my IRS refund is taking longer than 21 days?

To check on a state refund please visit your state Department of Revenue website. If you are anticipating a state tax return refund those processing times vary from state to state.