The IRS and many states allow you, the taxpayer, to receive your personal income tax refund via direct deposit - at no additional charge. However, the Government is not obligated to comply with your request to have your refund directly deposited. If your request is approved by IRS, the FMS will deposit your refund to your chosen bank account.
States do the same directly.
If you are unsure of your RTN or if you are unsure whether you can have your refund directly deposited, please contact your financial institution first and get any necessary information. The Type of Account you have with the financial institution. It is recommended that you do not use deposit slips to obtain your RTN or DAN, as they may be misleading. Contact your bank or financial institution if you have any questions. Once you make the choice, it is not rescindable.