Tax guide

Options for Getting Your Refund

Updated for filing 2021 tax returns

How Can I Get My Tax Refund When I File With

When you do your taxes with, here are the options you’ll be presented during the checkout process.

Can I have my refund deposited directly into my bank account?

Yes: Direct deposit to a bank or other account is the most popular refund method. When e-filing your return, you can select up to three different accounts to have your refund deposited into. These accounts can be your checking, savings, IRA, and even an HSA.

For those who don’t have a bank account, you can have your refund deposited onto a reloadable credit or debit card. But: Your card must have a routing and account number. Check with your card company to be sure.

The IRS aims to process and deliver refunds in 21 days or less after your return is accepted, but sometimes the process takes longer. You can check on your refund status using the IRS Where's My Refund? tool.

Important: If you filed jointly, you may be unable to deposit into an individual account or IRA. Check with your bank or IRA administrator to find out more.

Also, if you’re depositing your refund to your IRA, make sure you let the IRA administrator know which year the contribution should count for if the funds will be deposited before the tax filing deadline (April 15).

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Can I use my refund to purchase a Treasury “I” Bond?

Sure! If you’d like to save your refund for your retirement or for a gift for your children or grandchildren, using your refund to buy U.S. Savings Bonds may be for you. You can use all or part of your refund to purchase a Treasury “I” bond. You have to purchase bonds in increments of $50. “I” bonds earn interest for 30 years and pay federal taxes – no state or local taxes – when you cash in the bond.

You’ll receive your bonds in three to four weeks once the IRS sends the request to the Treasury Retail Securities Site.

If I file online, can I still get my refund by paper check?

You also still have the option to get your refund by check. This option does take the longest to receive. Your check will be mailed to the address you provide on your tax return, so make sure it’s correct and that you can receive mail there.

Feel good about tax filing with

At, making sure you get your maximum possible refund is what we do best—and for just $25, you’ll get your max refund, as many state returns as needed, live chat access, and more! When you’re ready, we’re here to make your taxes smart and simple, so sign up or sign in to get started.

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