Lines 12a Through 12d(p18)

Choose direct deposit—a fast, simple, safe, secure way to have your refund deposited automatically into your checking or savings account, including an individual retirement arrangement (IRA).

• You get your refund faster by direct deposit than you do by check.
• Payment is more secure. There is no check to get lost.
• It is more convenient. You do not have to make a trip to the bank to deposit your check.
• It saves tax dollars. It costs the government less to refund by direct deposit.

If you want us to directly deposit the amount shown on line 12a into your checking or savings account, including an IRA, at a bank or other financial institution (such as a mutual fund, brokerage firm, or credit union) in the United States:

• Check the box on line 12a and attach Form 8888 if you want to split the direct deposit of your refund among two or three accounts, or

• Complete lines 12b through 12d if you want your refund deposited to only one account.

Otherwise, we will send you a check.

If you file a joint return and check the box on line 12a and attach Form 8888 or fill in lines 12b through 12d, your spouse may get at least part of the refund.

If the direct deposit to your account is different from the amount you expected, you will receive an explanation in the mail about 2 weeks after your refund is deposited.

You can request a deposit of your refund to a TreasuryDirect® online account to buy U.S. Treasury marketable securities and savings bonds. For more information, go to www.treasurydirect.gov.

You can use your refund to buy up to $5,000 in U.S. Series I Savings Bonds. The amount you request must be in a multiple of $50. You do not need a TreasuryDirect® account to do this. See the Form 8888 instructions for details.

You cannot file Form 8888 and split your refund among two or three accounts if Form 8379 is filed with your return.

The routing number must be nine digits. The first two digits must be 01 through 12 or 21 through 32. Otherwise, the direct deposit will be rejected and a check will be sent instead. On the sample check on page 19, the routing number is 250250025. William and Doris Maple would use that routing number unless their financial institution instructed them to use a different routing number for direct deposits.

Ask your financial institution for the correct routing number to enter on line 12b if:

• Your deposit is to a savings account that does not allow you to write checks, or
• Your checks state they are payable through a financial institution different from the one at which you have your checking account.

Check the appropriate box for the type of account. Do not check more than one box. If the deposit is to an account such as an IRA, health savings account, brokerage account, or other similar account, ask your financial institution whether you should check the Checking or Savings box. You must check the correct box to ensure your deposit is accepted. For a TreasuryDirect® online account, check the Savings box.

Sample Check—Lines 12b Through 12d 
  taxmap/instr/i1040ez-030.htm#TXMP3f17974etaxmap/instr/i1040ez-030.htm#TXMP3861a3ad

Line 12d.(p19)

Some financial institutions will not allow a joint refund to be deposited into an individual account. If the direct deposit is rejected, a check will be sent instead. The IRS is not responsible if a financial institution rejects a direct deposit.

taxmap/instr/i1040ez-030.htm#TXMP444d45e7

Caution:(p19)

Previous Page | Table of Contents | Index | Top of Page | Next Page