If funds are not available or the bank refuses to return the funds, we cannot compel the bank to do so.Even if you did not request a direct deposit, these types of refunds are directly deposited into the preparer’s financial institution, so you should contact the preparer for resolution. Usually this occurs when you authorize the fee for preparation to be taken from your refund. You requested a Refund Anticipation Loan (RAL) or Refund Anticipation Check (RAC) through your preparer or preparation software.We will issue a paper check for the amount of that deposit once it is received. You incorrectly enter an account or routing number and the number passes the validation check, but the designated financial institution rejects and returns the deposit to us.In this case, we will send you a paper check for the refund instead of a direct deposit. You omit a digit in the account or routing number of an account and the number does not pass our validation check.The following are some common issues with direct deposits and how they are handled:
Once the funds are returned, we will issue a paper check to the address indicated on your return. In general, if you have an issue with your direct deposit, such as closing your bank account after you submitted your return, the financial institution will return the funds to us. We are not responsible for a lost refund if you entered the wrong account information for a direct deposit.