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IRS.gov Website
Instructions for Form 1040-EZ
taxmap/instr/i1040ez-029.htm#en_us_publink12063zd0e9801

Lines 13a Through 13d(p20)

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deposit
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Fast refunds!(p20)
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Join the eight in 10 taxpayers who 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). For more information about IRAs, see IRA, later.
If you want us to directly deposit the amount shown on line 13a to 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:
If you do not want your refund directly deposited to your account, do not check the box on line 13a. Draw a line through the boxes on lines 13b and 13d. We will send you a check instead.
taxmap/instr/i1040ez-029.htm#TXMRfb320187
Account must be in your name.(p20)
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Don't request a deposit of your refund to an account that isn’t in your name, such as your tax return preparer’s account. Although you may owe your tax return preparer a fee for preparing your return, don't have any part of your refund deposited into the preparer’s account to pay the fee.
The number of refunds that can be directly deposited to a single account or prepaid debit card is limited to three a year. After this limit is reached, paper checks will be sent instead. Learn more at www.irs.gov/Individuals/Direct‐Deposit‐Limits.
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Why Use Direct Deposit?(p20)

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caution
If you file a joint return and check the box on line 13a and attach Form 8888 or fill in lines 13b through 13d, your spouse may get at least part of the refund.
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IRA.(p20)
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You can have your refund (or part of it) directly deposited to a traditional IRA, Roth IRA (including myRA), or SEP-IRA, but not a SIMPLE IRA. You must establish the IRA at a bank or other financial institution before you request direct deposit. Make sure your direct deposit will be accepted. You must also notify the trustee or custodian of your account of the year to which the deposit is to be applied (unless the trustee or custodian won't accept a deposit for 2015). If you don't, the trustee or custodian can assume the deposit is for the year during which you are filing the return. For example, if you file your 2015 return during 2016 and do not notify the trustee or custodian in advance, the trustee or custodian can assume the deposit to your IRA is for 2016. If you designate your deposit to be for 2015, you must verify that the deposit was actually made to the account by the due date of the return (not counting extensions). If the deposit isn't made by that date, the deposit isn't an IRA contribution for 2015. If you make a contribution to a traditional IRA for 2015, you may be able to take an IRA deduction, but you must file Form 1040A or 1040 to do so.
caution
You and your spouse each may be able to contribute up to $5,500 ($6,500 if age 50 or older at the end of 2015) to a traditional IRA or Roth IRA (including myRA) for 2015. You may owe a penalty if your total contributions exceed these limits and the limits may be lower depending on your compensation income. For more information on IRA contributions, see Pub. 590-A. If the limits on IRA contributions change for 2016, Pub. 590-A will have the new 2016 limits.
For more information on IRAs, see Pub. 590-A and Pub. 590-B.
taxmap/instr/i1040ez-029.htm#en_us_publink100033480
myRA®(p21)
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If you already have a myRA® account, you can request a deposit of your refund (or part of it) to your myRA account. A myRA is a starter retirement account offered by the Department of the Treasury. For more information on myRA and to open a myRA account online, visit www.myRA.gov.
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TreasuryDirect®.(p21)
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You can request a deposit of your refund (or part of it) to a TreasuryDirect® online account to buy U.S. Treasury marketable securities and savings bonds. For more information, go to http://go.usa.gov/3KvcP.
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Form 8888.(p21)
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You can have your refund directly deposited into more than one account or use it to buy up to $5,000 in paper series I savings bonds. You do not need a TreasuryDirect® account to do this. For more information, see the Form 8888 instructions.
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Line 13a(p21)

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You cannot file Form 8888 to split your refund into more than one account or buy paper series I savings bonds if Form 8379 is filed with your return.
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Line 13b(p21)

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The routing number must be nine digits. The first two digits must be 01 through 12 or 21 through 32. On the sample check later, the routing number is 250250025. Henry and Naomi 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 13b if:
taxmap/instr/i1040ez-029.htm#en_us_publink12063zd0e9969

Line 13c(p21)

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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. If your deposit is to a myRA account or TreasuryDirect® online account, check the Savings box.
taxmap/instr/i1040ez-029.htm#en_us_publink12063zd0e9987

Line 13d(p21)

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The account number can be up to 17 characters (both numbers and letters). Include hyphens but omit 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 include the check number.
If the direct deposit to your account(s) is different from the amount you expected, you will receive an explanation in the mail about 2 weeks after your refund is deposited.

Sample Check—Lines 13b Through 13d taxmap/instr/i1040ez-029.htm#en_us_publink12063zd0e10004
taxmap/instr/i1040ez-029.htm#TXMP31c89e8c
Sample Check - Lines 13b through 13d Text DescriptionSample Check - Lines 13b through 13d   
taxmap/instr/i1040ez-029.htm#en_us_publink12063zd0e10028

Reasons Your Direct Deposit Request Will Be Rejected(p21)

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If any of the following apply, your direct deposit request will be rejected and a check will be sent instead.
caution
The IRS isn't responsible for a lost refund if you enter the wrong account information. Check with your financial institution to get the correct routing and account numbers and to make sure your direct deposit will be accepted.