Sorry, but no one in a user community forum can know that. There are too many variables.
Does the IRS WMR tool say that your funds have been sent on 2/20/2020? They may have also told you a date on which to contact your bank or Card if not received.
https://www.irs.gov/refunds
If that IRS tool says the funds have been sent, the IRS also says to allow up to 5 days due to variations in different banks' processing procedures and times.
However, there may be another link in the chain that you can check in the meantime if you used the following service:
Did you have any TurboTax fees that you chose to pay out of the Federal refund? If so, the funds go first from the IRS to a temporary account at an intermediary bank where the fees are subtracted. Then that intermediary bank sends the rest of the funds on to your bank (or card.) If you used that method to pay fees, and if the IRS has actually released the funds, we can tell you how to check on the funds at the level of the intermediary company (SBTPG aka Santa Barbara Tax Products Group) by logging in to their website or using their 24-hour automated phone.
If you did not use that method to pay any TurboTax fees (i.e., if your refund is coming direct from the IRS), if you don't receive it today, then you may wish to phone your bank (or Card) to inquire as to whether or not they have any info about a direct deposit.
