Choosing direct deposit is a simple way to receive your tax refund. For the 2026 refund season, which applies to the 2025 tax year, taxpayers can have their refund sent directly to a bank account by entering the correct details while filing the return. This guide explains how to set up direct deposit correctly and what to check before submitting your tax return.
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Where to Enter Bank Details on Form 1040 or 1040-SR
To receive your tax refund by direct deposit, bank information must be entered on Form 1040 or Form 1040-SR, on Lines 35a through 35d.
You need to provide:
- Bank routing number (9 digits)
- Bank account number
- Account type (checking or savings)
These details can be added whether you file online or send your return by mail. It is important to confirm the numbers using a bank statement or check. Incorrect information can cause refund delays or failed deposits.
Setting Up Direct Deposit While Filing Online
When filing a tax return online, bank details are usually requested during the filing process. Entering this information correctly allows the refund to be deposited directly into your account once the return is processed.
Online filing helps reduce manual errors and makes it easier to review bank details before submission. After filing, refund status can be tracked once processing begins.
Direct Deposit Instructions for Paper Tax Returns
Taxpayers who file paper returns must write their bank details clearly in the space provided on the form. When filling out the return:
- Write routing and account numbers clearly
- Mark whether the account is checking or savings
- Use a valid U.S. bank account
The IRS allows up to three refunds to be deposited into one bank account. To avoid confusion, using one account for one return is recommended. Splitting refunds between multiple accounts may lead to processing issues.
Managing Refund Details After Filing
Refund details can be reviewed after filing, especially when corrections or updates are required. If an amended return is filed using Form 1040-X, updated bank information may be accepted depending on processing status.
Keeping accurate records of previously filed returns and bank details helps avoid mistakes during amendments or future filings.
Bank Account Rules for Tax Refund Direct Deposit
Only U.S. bank accounts are accepted for tax refund direct deposit. Foreign accounts are not eligible. For joint tax returns, the bank account should be able to accept deposits in at least one filer’s name.
Refund status is generally available within a day after online filing and can be checked regularly until the refund is issued.
Filing Tax Forms Online with Form1099Online
Accurate tax filing depends on correct information and reliable filing tools. Form1099Online.com is an IRS-authorized e-file provider that helps individuals and businesses file tax forms online in a secure and simple way. The platform supports accurate data entry and electronic filing, helping reduce common filing mistakes during tax season.
Conclusion:
Setting up direct deposit for your 2026 tax refund is straightforward when bank details are entered correctly on the tax return. This article is prepared for general information purposes using publicly available guidance. Reviewing details carefully and using a trusted online filing platform like Form1099Online.com can help ensure a smoother filing and refund process.