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If you do not choose direct deposit when you are in the FILE section, the default method of getting your refund is a check mailed to the address on your tax return. Make sure you use your correct mailing address.
open a savings account at your bank or credit union.
open a brokerage account at TD Ameritrade (for example) and have your refund deposited there.
They will give you the routing number to use,
a link to methods
https://thecollegeinvestor.com/23883/tax-refund-bank-account/
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