Can You E-file Your Taxes If You Don't Have a Bank Account?

Usually, e-filing your taxes requires providing the IRS with a bank account and routing number so that money can be either extracted from or deposited into your account. However, it is possible to e-file without a bank account with several options available for you, including some that will charge you significant fees.

If you will be paying taxes this year you can e-file as long as you have a repository of money such as a pre-paid debit card. Enter the debit card's information when prompted for payment by whatever tax software you're using to file. For information about the IRS' pre-paid debit card system go to www.IRS.gov/efile/index.html.

If you'll be receiving a refund this year, there are a few options for e-filing without a bank account. All tax software programs give you the option to request your refund via check. It takes a lot longer to receive your refund, but you can have it mailed anywhere you want and cash it at any bank. If you have a prepaid debit card, you can enter its routing and account number to have your refund transferred directly to that account.

E-filing requirements for state taxes vary from state to state. If you are e-filing your federal taxes you should be prompted by your software program to file your state taxes at the same time; if you choose this option the directions outlined in Section 2 apply. If you're filing your state taxes separately, see your state's revenue agency's website for information on its requirements including filing options.

Many tax preparers, such as Ace Cash Express, provide cash card services, which enable you to collect a tax refund without either a bank account or an official IRS prepaid card. You may find one of these services useful; however, tax preparers cost money and, depending on the complexity of your returns, you may be better off using one of the other options mentioned.