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Frequently Asked Questions

Q : Can I receive my refund directly deposited to my bank account?

A : Yes. The IRS and states allow the taxpayer to request that their personal income tax refunds be sent by direct deposit to their bank account at no additional charge. The IRS states that the Direct Deposit option is the fastest way to receiving refunds from the IRS.

You will need the following information to complete the Direct Deposit request. The information can be obtained from official financial institution records, account cards, checks or share drafts that contain the taxpayer’s name and address. It is recommended that you check with your financial institution to confirm this information.

Item Instructions
Routing Transit Number (RTN) The first two digits of the routing number must be 01 through 12 or 21 through 32. Do not use a deposit slip to verify the number because it may contain internal routing numbers that are not part of the actual routing number. On the sample check below, the routing number is 250250025.
Bank Account Number (DAN) The account number can be up to 17 digits. Omit hyphens, spaces, and special symbols. Enter the number from left to right and leave any unused boxes blank. On the sample check below, the account number is 20202086. Do not to include the check number.
Type of Account The type of account can either be savings or checking.
example check with routing number and account number shown

What to do if you enter an incorrect routing or account number:
If you filed a return with an incorrect routing or account number you must wait until the return is accepted or rejected by the Government.

  • If the return is rejected, in addition to other required corrections you need to make, simply correct the routing or account number and resubmit the return to the Government.
  • If the return is accepted,
    • You cannot make changes to your direct deposit instructions through FileYourTaxes.com
    • If you incorrectly enter an account or routing number and your designated financial institution rejects and returns the deposit, the IRS and most states will issue a paper check for that portion of your refund. IRS indicates that this will result in refund delays of up to ten weeks.
    • If you incorrectly enter an account or routing number that belongs to someone else and your designated financial institution accepts the deposit, you must work directly with the respective financial institution to recover your funds. For federal filings if you've contacted the financial institution with no results, complete IRS Form 3911, Taxpayer Statement Regarding Refund. The IRS will contact your bank on your behalf to attempt to recover your refund.

Other notes on Direct Deposit:

  • You cannot change your direct deposit instructions after your return has been accepted.
  • The account you designate for Direct Deposit must be in the taxpayer's (and spouse's if married filing joint) name. Some financial institutions do not permit the deposit of joint individual income tax refunds into individual accounts or into check or share draft accounts that are “payable through” another institution. Taxpayers should verify their financial institution’s Direct Deposit policy before they elect the Direct Deposit option.
  • The IRS allows taxpayers to split federal refunds between up to three qualified accounts. A qualified account can be a checking, savings, or other account such as an individual retirement arrangement (IRA), health savings account (HSA), Archer MSA, Coverdell education savings account (ESA), and TreasuryDirect online account.
  • For federal filings, taxpayers can get tax refund status 24 hours after the IRS accepted the tax return by visiting the Where's My Refund tool at www.IRS.gov/Refunds.

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