Here’s what HIVE AI had to say about “What if I don’t have U.S. bank account information?”:
If you don’t have U.S. bank account information
You still have a few ways to receive your federal refund:
- Use a prepaid debit card or mobile payment app that accepts IRS direct deposit (it must provide routing and account numbers you can enter on your return).
- Open a bank or credit union account (including online options), then use that routing/account number for direct deposit on your return.
- Request a paper check only if available for your situation. The IRS generally stopped issuing paper refund checks for individual taxpayers after September 30, 2025, with only limited exceptions where no alternative is available.
Important limitation to be aware of
- The IRS limits the number of refunds that can be electronically deposited into a single financial account or prepaid debit card (generally, three). If the limit is exceeded, the IRS will issue a paper check instead.
Sources
1 – Refunds | Internal Revenue Service
2 – Why taxpayers should have their tax refund direct deposited | Internal Revenue Service
3 – Direct deposit is the best way to get a federal tax refund | Internal Revenue Service
4 – Questions and answers about Executive Order 14247: Modernizing Payments To and From America’s Bank Account | Internal Revenue Service
5 – What the IRS phaseout of paper checks means for you | Internal Revenue Service
6 – Direct deposit limits | Internal Revenue Service
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