Can I Deposit My Paper Tax Refund Check in My Relative's Bank Account?

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If you want to direct deposit your tax refund check into someone else's account, you may find out that it isn't always possible. Banks have the right to refuse any check, including one you give to a friend or relative. However, if it's properly endorsed, you shouldn't have too many problems. It's always wise to contact your relative's bank first, either in person or over the phone, to ensure that it will accept the check.


  • Depending on your relative's bank's policy, you may be able to deposit your tax refund check into her account. It is best to check with the bank first, however.

Endorsing a Check

Using a Special Endorsement

Depositing the Check Yourself

Depositing Checks Into Your Account

If you are planning to use a relative's bank account to deposit a check because you're concerned about the bank putting a hold on checks deposited into your own account, contact your bank to ask about its policy on government checks. Unlike personal checks or payroll checks, banks will often make the funds available much more quickly when a government check is being deposited. If you go to the bank in person, rather than using an ATM, the bank may make the funds available for withdrawal no later than the next business day. You may be asked to use a special deposit slip for government-issued checks to ensure the funds are released quickly.

On the other hand, if you go to an ATM, you may have to wait a few extra days. as it takes time for the check to be collected from the ATM, delivered to your bank and then processed.

Using IRS Direct Deposit

Anyone who wants to get a tax refund as quickly as possible should consider opting for direct deposit with the IRS. Money can be deposited into a checking, savings or retirement account. You can even elect to have the refund split up and deposited into three different accounts. To do this, fill out IRS Form 8888 and specify into which accounts you want the money deposited.


About the Author

A published author and professional speaker, David Weedmark has worked as a technology consultant for many small businesses and was once a professional financial advisor. David has also has written hundreds of articles on money matters for newspapers, magazines and online publications.

Photo Credits

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