Does both names have to be on bank acount for direct deposit

[NjoyBhappy]

From irs.gov website:

 "If I am filing a joint return with my spouse, must our refund be deposited to a jointly-held account?

You can ask IRS to direct deposit a refund on a joint return into your account, your spouse’s account, or a joint account. However, state and financial institution rules can vary and you should first verify your financial institution will accept a joint refund into an individual account."

For more info see irs.gov link: https://www.irs.gov/refunds/frequently-asked-questions-about-splitting-federal-income-tax-refunds