A joint refund will go into an account with one name. My married sister does it every year.
Not necessarily true - while the IRS allows it, each bank has its own policy as to whether it will accept a direct deposit into an individual account that is made payable to the joint filers.
According to the IRS your refund should only be deposited into accounts that are in your own name; your spouse’s name or both if it’s a joint account. Please refer to IRS Refund FAQ for additional information http://www.irs.gov/Refunds/Tax-Season-Refund-Frequently-Asked-Questions.
See we are filing together but do not have a joint bank account.. Would we have to have a joint bank account to do direct deposit.
You can ask the 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 if that is what you need to do.
<a rel="nofollow" target="_blank" href="https://www.irs.gov/individuals/frequently-asked-questions-about-splitting-federal-income-tax-refunds">https://www.irs.gov/individuals/frequently-asked-questions-about-splitting-federal-income-tax-refunds</a>