After you complete your tax return, some circumstances, such as changing your bank account or moving, might require you to alter how you receive your federal tax refund. Although the Internal Revenue Service typically doesn't allow you to make changes once they accept your return, you can alter the method before submitting the forms to the IRS. To change from a paper check to direct deposit, or vice-versa, you have to amend the information on your tax return. Show
Change to Direct Deposit on Paper ReturnGo to the "Refund" section on your income tax return. This section is located toward the bottom of your tax return, on Form 1040, Form 1040-SR or Form 1040-NR. Enter your bank's routing number in the "Routing Number" field. Check the box that indicates whether your account is a checking or savings account. Enter your bank account number in the "Account Number" field. Change to Direct Deposit with Tax SoftwareOpen the tax preparation software you use to file your income taxes, and open your current tax return. Proceed through the program until you come to the screen that asks how you want to receive your federal tax refund. You should find this option toward the end of the questionnaire, but before you choose how to submit your return. Change the option to receive your refund by direct deposit instead of a paper refund. Some programs might refer to direct deposit as "To My Bank Account." Enter your bank account and routing number in the fields provided. You can enter up to three bank accounts and designate the amount you want refunded in each account. Change to Paper CheckGo to the "Refund" section of your tax return if you're filing a paper return. If you're filing your return electronically, open your tax preparation software and proceed to the screen that asks how you want to receive your refund. Cross out your bank account and routing numbers on your return if you're filing a paper return. Alternatively, you can "white-out" the information or print and prepare a new return. Delete your bank account and routing number from the tax preparation software screen if you're filing your return electronically. Uncheck the box that selects direct deposit, and check the appropriate box to indicate that you would rather receive a paper refund. Keep These Things in MindIf you realize that you provided the wrong address for a paper refund or bank information for direct deposit after submitting your return to the IRS, contact the IRS immediately at (800) 829-1040. If you provided the wrong bank account or routing number and opted for direct deposit, the IRS will still attempt to deposit your refund. If the deposit is unsuccessful, the IRS will mail you a paper check to your last known address. If the address you provided is incorrect and opted for a paper check, the post office will return your check to the IRS. To receive your refund at the correct address, complete and send Form 8822 to the IRS. If you moved while your return was being processed, you can notify the U.S. Post Office of the change. The post office might forward your check to the new address. If you're filing a paper return and would like to split your refund into different accounts, use Form 8888 to designate the amounts and provide the routing and account numbers. You can also purchase U.S. Savings bonds with your tax return using Form 8888. Warnings
 You will receive your refund faster with direct deposit. tax time image by Ray Kasprzak from Fotolia.com When you file your tax return you have the choice of receiving your refund by check or by direct deposit. Additionally you can use part of your refund to purchase a U.S. Series Savings Bond. You are allowed to change the way you receive your refund from the method your tax software or the IRS has on record. However, it must be done before or along with filing your current return. Tax SoftwareStep 1 Open the tax software application that you use to file your taxes. Bring up the current return that you will be filing. Step 2 Go to the section that allows you to choose the way in which you receive your refund. This is usually toward the end of the return questionnaire, but it may vary per software program. Step 3 Choose the method for receiving your refund. Many tax software programs save your past settings and apply them to the current year. Therefore, you will likely have to manually change the method of obtaining your refund if it is different from the previous year. Step 4 Enter in your bank or address information. If you are choosing direct deposit, enter the name of your bank, the routing number and your bank account number. To have a check mailed to you, enter the appropriate address. Step 5 Save the changes so that they are correct when your return is filed. Paper FilingStep 1 Choose a method of payment on your paper tax return form. On Form 1040, the section is called Refund and allows you to include the information for direct deposit. If you do not choose a refund method when filling out your tax return, the IRS will automatically mail you a paper check to your permanent address. Step 2 Download and print IRS Form 8888 from IRS.gov, which allows you to allocate your refund in a number of different ways, including direct deposit, paper check or by purchasing a U.S. savings bond. You may choose any one method or split the refund between two or three of the choices. Step 3 Enter the information for each separate direct deposit account, if you are splitting your refund. Use IRS Form 8888 to have your refund deposited in up to three separate accounts. Enter the routing and account number for each, along with the amount that should go into each account. Step 4 Purchase a U.S. savings bond with part or all of your refund, if you wish. Enter the amount that you would like to spend on the bond, along with the name of the owner of the bond. You may purchase savings bonds in your name or that of another person. Step 5 Write the amount of the refund that should be sent to you by check, if applicable. References Resources Writer Bio Beth Rifkin has been writing health- and fitness-related articles since 2005. Her bylines include "Tennis Life," "Ms. Fitness," "Triathlon Magazine," "Inside Tennis" and others. She holds a Bachelor of Business Administration from Temple University. Can I change my payment method after filing taxes?If changes are needed, the only option is to cancel the payment and choose another payment method. Call IRS e-file Payment Services 24/7 at 888-353-4537 to inquire about or cancel your payment, but please wait 7 to 10 days after your return was accepted before calling.
How do I change my direct deposit for tax refund?You can use your tax software to do it electronically. Or, use IRS' Form 8888, Allocation of RefundPDF (including Savings Bond Purchases) if you file a paper return. Just follow the instructions on the form. If you want the IRS to deposit your refund into just one account, use the direct deposit line on your tax form.
Can I change my direct deposit information with the IRS online?Taxpayers can NO LONGER change their banking information on the website. Please contact the IRS.
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How to change my tax refund payment method after filing
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