If they accepted it on 1/22/20, it has not been over 21 days. Actually, today is about the 20th day because you don't count weekends or holidays; this past Monday was a holiday. Next, IRS usually updates the where's my refund only once a week on Wednesday. IRS generally makes return deposits on Wednesday's and Friday's. Also, sometimes the app says it is still processing but the refund is already in your account. Finally, the IRS did state that if you are filing earned income credit or child care credit you may not receive your refund until the first week of March but in the past it would come at the end of February.
