I dont have an actual checking acct how do i get my refund

[rvduncanjr]

Since having no checking account prevents you from using direct deposit, you can ask for the taxing authority to send you the refund in the form of a check and then either (a) cash the check at a checking-cashing service (for a fee) or (b) have it cashed at a bank where you have a CD, savings account or loan.