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After you file
Could be a number of reasons. If you have earned income credit and/or additional child tax credit, it is probably delayed. Returns with either of these credits are covered under the PATH act, which gives the IRS authority to delay the refund to verify dependent information on your return. For 2020, the IRS was not issuing refunds for these returns until after March 1. Next if you have any type of refund offset, your refund will be delayed. Back taxes, student loans, outstanding state obligations (Tickets), someone claimed one of your dependents all can delay your refund. Additionally, for 2020, if you received unemployment benefits, the IRS was not processing those returns due to the changes from the American Rescue Plan Act which excluded the first $10,200 of unemployment benefits. Once they had the programming changed, they will start processing returns with unemployment benefits.