Direct Deposit vs. Paper Check


If you are owed money from the IRS at tax time, then you want to receive it as quickly as possible. Paper checks typically take longer to arrive than receiving funds through direct deposit, and you run the risk of having the check lost or stolen in the mail. When you arrange to have your tax refund sent via direct deposit, you'll receive them to the bank account of your choice in less time.1 You would also avoid paying check cashing fees on your tax refund check.

Set Up Direct Deposit For Your Tax Refund


When you file your taxes, select Direct Deposit as your refund method. You'll need to enter your Flare Account number and routing number to complete the process. Or, tell your tax preparer you want direct deposit. You can even use direct deposit if you file your tax returns by paper.

Here's how to access your Flare Account number and routing number: 

Tax Refunds Icon

Log in to your Online Account Center with your username and password.

Tax Refunds Icon

In the main menu, select Direct Deposit.

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Find your routing number and account number listed.

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Have Questions about Tax Refund?


On average, most refunds are issued in less than 21 calendar days when you electronically file.

All you need to set up direct deposit is your bank’s account number and routing number. If you have a Flare Account, you can find your account and routing information after you Log in.

The amount of time it takes for your direct deposit to be credited to your account will vary. Factors, including your banking institution, the amount of the deposit, and the sender, could impact how long it takes to complete the process.

When you Direct Deposit your tax refund amount to your Flare Account, you could receive funds faster than a paper check1 so there’s no risk of a paper check getting lost or stolen, and it’s safer than carrying cash. Plus, with the EMV chip in newly issued debit cards, your account information is encrypted adding an extra layer of security.

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1. Faster access claim is based on comparison of a disbursement via direct deposit vs. disbursement via a mailed paper check. For up-to-date information from the IRS, visit www.irs.gov/refunds

The ACE Flare™ Account is established by MetaBank, National Association, Member FDIC. Netspend is a service provider to MetaBank, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.

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