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Don't have time? The filing deadline is not until April 15, 2026. Are you just not going to file a tax return since you do not have an account? That makes no sense. And......read all of this: if you do not have an account for a direct deposit, the IRS will eventually mail a check to you but it will take much longer.
You can set up a checking account in a bank in less than 15 minutes. All banks accept direct deposit.
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