Direct Deposit Refund vs. Paper Check Refund


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 risk having the check lost or stolen in the mail. When filing your tax refund,3 you can ask the IRS to have the payment sent via direct deposit. You’ll receive the refund in the account of your choice in less time.1 You would also avoid paying checking 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 routing number and account number of your Flare Account® to complete the process. Or, tell your tax preparer you want direct deposit. You can even use direct deposit if you file your tax return by paper.

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

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Log in to the ACE Flare mobile app or Online Account Center with your username and password.

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In the main menu, select Account.

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Find your routing number and account number listed.

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Have Questions about Tax Refunds?


On average, most refunds are issued by the Internal revenue Service (IRS) in less than 21 calendar days when you electronically file your tax return. If you haven’t received your tax refund within 21 days, we suggest the filer check the status by visiting IRS/refund or downloading the IRS2Go mobile app.

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

The 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 to your Flare Account, you can receive funds faster than a paper check,1 so there’s no risk of a paper check getting lost or stolen, and it’s safer than carrying cash. Plus, with the new EMV chip in newly issued debit cards, your account information is encrypted, adding an extra layer of security against identity theft.

We can’t guarantee that your tax refund will deposit earlier than the estimated date provided by the IRS. That said, we’ll always post your tax refund to your account as soon as we receive it!

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