No bank account

Forum|Forum|4 months ago
March 24, 2026
2 replies
229 views

My Refund got accepted but it’s asking me to add my bank info as they are trying to go paperless and full direct deposit. My question is, I don’t have a bank account but I do have access to someone else’s. Can I use someone else’s or will it get flagged or something?

pk_

Level 15

@Sally20_00 , great that your return got "Accepted" for processing by the IRS. After processing and once the refund amount is approved you will probably get a CP-53E from the IRS asking you to provide a bank account. Per the executive order in Jan25, IRS is moving away from issuing paper checks.

If you do not respond to the notice or do not open a bank account, IRS will indeed ( at least this year ) issue a paper check -- will take a while ( they quote six weeks ).

If you do not open an account with your own name, the bank will not accept a check in your name and will return the deposit back to the IRS, which will then issue a check ( more time ).

See the last paragraph of the ref. page below

Here is a ref. for the letter -->>Understanding your CP53E notice | Internal Revenue Service

SharonD007

Level 14

The IRS is phasing out paper checks, and you will receive an IRS Notice CP53E informing you that your refund is frozen because of missing direct deposit information. If you don’t have a bank account, you can choose to enter a prepaid card that has a routing number and account number associated with it.

If you don’t respond to the notice, the IRS will issue a paper check after six weeks.

Refer to the IRS FAQ Understanding your CP53E notice for more information.

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