Using e-file with direct deposit remains the fastest option for taxpayers. E-file remains the best way to ensure an error-free return. However, certain taxpayers, like those claiming the adoption credit, must file paper tax returns so that they can submit required documentation. Paper returns take longer to process. Ensure your refund arrives as expected by submitting an error free return. Use the correct Social Security or taxpayer identification numbers, address, and bank and routing numbers if electing direct deposit.