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Set up direct deposit to receive your tax refund

You can receive your tax refund faster through direct deposit instead of by mail. Learn how direct deposit works and how to set it up.

The IRS uses direct deposit to electronically issue tax refund payments directly into taxpayers’ financial accounts. In most cases, you will receive your tax refund in less than 21 days after you file your federal tax return. 

To get your refund deposited directly into your bank account, select the direct deposit option when prompted by the tax software you are using. Then, enter your account and routing numbers of the bank account you want your refund deposited into. 

Learn more about direct deposit, including:

  • How to request it if you are using a paper form 
  • What to do if you do not have a check to find your account and routing numbers
  • How to receive your refund through mobile apps and prepaid debit cards
  • How to have your refund deposited in up to 3 accounts
  • What to do if you do not have a bank account

LAST UPDATED: June 1, 2023


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