Hi Cass and welcome to the forum 
If you pH is 7.0, you don't need to worry too much about ammonia. It is toxic in alkaline water (pH above 7.0) but harmless in acidic water (pH below 7.0). Your water is neutral (pH 7.0) and any ammonia in it will not do a lot of damage.
Nitrites on the other hand, are toxic in acid water but harmless in alkaline water. Again, having a pH of 7.0 will be fine for both.
You mention the tank is 20 gallons. How long, wide and high is it?
How often do you feed the fish? In a new aquarium with a new filter it is best to minimise feeding. The more food going into the tank, the more ammonia that will be produced. Fish do not need to eat every day. Any food they eat is used to grow and move about. They do not need to eat to stay warm, unlike mammals, birds, etc. This allows fish to go for weeks or even months without food and still be active.
In your aquarium I would feed the fish once every couple of days and only a small amount. remove any uneaten food after 10-15minutes.
If you want to dilute chemicals (ammonia, nitrite, nitrate, or poison of any sort) in the aquarium, do a 75-90% water change. It is much more effective than 10-25%.
If you are using well water, it should not have chlorine in and you do not need a dechlorinating agent. However, it is a good idea to check the well water regularly to ensure it is safe for fish. You can use your own test kits or take a glass of well water to a petshop for testing. Write the results down in a book and include the date. Check well water weekly or whenever, but usually before you use it.
Any idea what type of Plecostomus catfish you have and how big are they?
And what are fruit tetras, I have never heard of that name?
Liquid test kits for the aquarium are generally better than tablet form but they all vary a bit. About the only test kit you need for an established aquarium is pH. Once an aquarium is established you should not have any ammonia or nitrite readings, and nitrates can get very high before they affect the fish. Nitrates are the end result of the filtration cycle and can be diluted with water changes.
If you pH is 7.0, you don't need to worry too much about ammonia. It is toxic in alkaline water (pH above 7.0) but harmless in acidic water (pH below 7.0). Your water is neutral (pH 7.0) and any ammonia in it will not do a lot of damage.
Nitrites on the other hand, are toxic in acid water but harmless in alkaline water. Again, having a pH of 7.0 will be fine for both.
You mention the tank is 20 gallons. How long, wide and high is it?
How often do you feed the fish? In a new aquarium with a new filter it is best to minimise feeding. The more food going into the tank, the more ammonia that will be produced. Fish do not need to eat every day. Any food they eat is used to grow and move about. They do not need to eat to stay warm, unlike mammals, birds, etc. This allows fish to go for weeks or even months without food and still be active.
In your aquarium I would feed the fish once every couple of days and only a small amount. remove any uneaten food after 10-15minutes.
If you want to dilute chemicals (ammonia, nitrite, nitrate, or poison of any sort) in the aquarium, do a 75-90% water change. It is much more effective than 10-25%.
If you are using well water, it should not have chlorine in and you do not need a dechlorinating agent. However, it is a good idea to check the well water regularly to ensure it is safe for fish. You can use your own test kits or take a glass of well water to a petshop for testing. Write the results down in a book and include the date. Check well water weekly or whenever, but usually before you use it.
Any idea what type of Plecostomus catfish you have and how big are they?
And what are fruit tetras, I have never heard of that name?
Liquid test kits for the aquarium are generally better than tablet form but they all vary a bit. About the only test kit you need for an established aquarium is pH. Once an aquarium is established you should not have any ammonia or nitrite readings, and nitrates can get very high before they affect the fish. Nitrates are the end result of the filtration cycle and can be diluted with water changes.