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Best answer by AnthonyC

As long as the routing number and account number are correct, you *should* be ok.  The routing number is really what controls where the money is routed (i.e. what bank) and the bank name is an extra layer to verify.  But, there is really no way of knowing for sure what your bank will do and they could still reject the deposit.  After your return has been filed and accepted by the IRS, it is too late to make any changes.  If the deposit is rejected by the bank, then the IRS will convert your refund to a paper check.

1 reply

AnthonyCAnswer
Employee
June 1, 2019

As long as the routing number and account number are correct, you *should* be ok.  The routing number is really what controls where the money is routed (i.e. what bank) and the bank name is an extra layer to verify.  But, there is really no way of knowing for sure what your bank will do and they could still reject the deposit.  After your return has been filed and accepted by the IRS, it is too late to make any changes.  If the deposit is rejected by the bank, then the IRS will convert your refund to a paper check.

February 21, 2025

My direct deposit was rejected because they misspelled my name 

February 21, 2025

If your bank routing/account numbers were correct, but your name was misspelled, you should still get your Direct Deposit.  Did you reach out to your bank?

 

If the bank does return your Refund to the IRS, they will mail you a check instead, to the address on your tax form.

 

@Marr1001