Tax Refund Options

During the tax preparation interview on eFile, you can choose to receive your tax refund via:

Direct Bank Deposit or Check by Mail

Tax Tip: For a faster tax refund, please select the Direct Bank Deposit option during the tax interview. This option is fast, secure, and convenient. It requires that you have a bank account (a valid bank routing number and account number).

Caution for joint filers: Some banks may not accept a direct deposit of a joint tax refund into an individual account. If your filing status was married filing jointly, please check with your bank or financial institution before requesting the deposit of a joint refund into an individual account.

1. Direct bank deposit: Your expected tax refund will be electronically transferred from the IRS (US Treasury) to the bank account you entered during your efile.com online tax return. Your Tax Refund will be issued and transferred from the IRS (US Treasury) to the bank account you entered during your online tax return. This transfer is free of charge. Please check the status of your refund here: http://www.efile.com/my-tax-refund-status/ 
2. Direct bank deposit with e-Collect (deduct fee from refund): If you selected to have your fee deducted from your expected tax refund your tax refund will be transferred from the IRS to our partner bank (EPS Financial). Your Tax Refund minus the tax preparation fee (for Premium service) and a DFFR fee of only $10.00 will be transferred from our partner bank to the bank you entered with your efile.com tax return. The $10.00 DFFR fee is not charged by efile.com but charged by eFile's banking partner (EPS Financial) and is automatically deducted from your expected tax refund. Your Tax Refund will be issued by EPS Financial to the bank you entered during your online tax return. To find out more about the status of your tax refund, please visit: http://www.efile.com/my-tax-refund-money/
3. IRS check through the mail: Once your tax return has been received and processed, the IRS will issue you a paper check and send it through the US Postal Service. It generally takes at least twice as long as direct deposit to receive your refund through the mail.

 Check the status of your Tax Refund

Tax Refund Dates - Direct Deposit vs. Check by Mail

Option	Speed
1. IRS Refund Direct Bank Deposit Recommended!	8–14 days
Recommended: If you are in a rush to get your refund If you have a bank account (required) A small bank transfer fee applies Learn More
2. IRS Refund Check via Mail/Post	2–3 weeks
Select this option: If you are not in a rush to get your refund If you do not have bank account
3. RAL (Refund Anticipation Loan or Tax Loan) has been discontinued due to high cost and online fraud.

 Compare Direct Bank Deposit with Check by Mail

 Compare Tax Refund Dates (Bank Deposit versus Check)

Direct Deposit into Multiple Accounts

If you choose to receive your tax refund as a direct deposit, you may instruct the IRS to deposit your refund into as many as three different bank accounts (checking or savings). The accounts can be in up to three different banks or other financial institutions. If you choose direct deposit, you can even use some or all of your tax refund as a contribution to your retirement savings account. All of this can be done using Form 8888, Direct Deposit of Refund to More than One Account, which the efile.com tax software can generate for you during your online tax return preparation.