|"I am using a submask of 255.255.0.0 to allow this to happen."|
Subnet mask has nothing to do with routing which is why this statement concerns me. If you were trying to supernet them then submask comes into play but you are routing so that makes no sense.
255.255.0.0 is /16 not /24.
Please understand I am not jumping your case. I am just pointing out some informational misunderstandings.
I am going to make some suggestions but would advise you wait for a response from CurtR whom I believe has more practical experience in this area.
Assuming those subnets just pass thru to the port the Checkpoint firewall is connected to, all you have to do is route those subnets to the other two.
Vlans shouldn't have any thing to do with it. Well except all the subnets you want to route need to be in the same vlan.
I would suggest you stay away from vlan routing at this time since it appears you don't need it but if you want to tackle vlan routing at the same time of subnet routing... OK. Should be covered in the manual for the switch. You would establish a vlan route from each 192.168.x.0 to the x.x.1.x and x.x.20.x networks.
vlan routing and subnet routing are two different things which is why in the vlan interface you don't see anything about ip.