Usually you have options. When you file on turbo tax, there comes a time when it will ask if you want your refund direct deposited. You would then have to enter your account and routing numbers for the account you want it deposited too. If you do not choose this option, you can usually sign up for a pre-loaded netspend card, or a plain old check in the mail. Be warned, the checks in the mail take the longest. With direct deposit you can have the money usually a week or two after it's approval. Good luck.