I’ve seen that 90% of federal refunds are issued within 3 weeks. If mine takes longer for an e file, direct deposit refund, should I be concerned?

Not necessarily, the IRS reports that they issue 9 out of 10 tax refunds within 21 days, it's possible your return may require additional review and take longer to process.

Please see these TurboTax FAQ's on why some tax return refunds may take a while to be released and what steps you can take:

• Why do some refunds take longer than others?
• What if my IRS refund is taking longer than 21 days?

If you are concerned and it's been over 21 days since your tax return was accepted by the IRS and you decide to call them here are some tips when contacting the IRS at 1-800-829-1040:

• First choose your language. 
• Then do not choose the first choice regarding REFUND, or it will send you to an automated phone line.
• Instead, press 2 for personal income tax questions.
• Then press 1 for form, tax history, or payment.  
• Then press 3 for all other questions.
• Then press 2 for all other questions to be transferred to an agent

Please see this TurboTax FAQ on what to have ready before you contact the IRS: https://ttlc.intuit.com/community/irs/help/what-do-i-need-if-i-call-the-irs/00/27378

If you are anticipating a state tax return refund those processing times vary from state to state. To check on a state refund please visit your state Department of Revenue website.