There might not be any holdup. Today is just three weeks from when your tax return was accepted. The IRS says that, for e-filed tax returns, they pay 9 out of 10 refunds within three weeks. Yours could be the one out of 10 that takes longer. There are many variables that can affect how long it takes to process your tax return and issue your refund. Go to the following link on the IRS web site for more information about the factors that can affect when you get your refund, and a link to check the status of your refund.
Tax Season Refund Frequently Asked Questions