As you have probably guessed, I too am in need of my refund. Generally, if you check the IRS2go app there are three stages that the return goes through Accepted, Approved, Sent Refund. From my experience, the refund is accepted within 24hrs of signing and submitting. This year (2020) my refund was accepted within hours of submitting it. Now, the last time I got a refund it was APPROVED within 72hrs after it was accepted. However, every year is different. This is why you get the generic "you receive it within 21 after you file". Furthermore, the IRS has released the schedule: if your return is accepted on Jan 27 the direct deposit should be sent on Feb 7.
Hopefully, this helps.
