Will be transferred to my bank account!

[Mahmoud_1]

My wife filed jointly for the year 2023 but she put only her bank account information and didn't put mine on the form 1040. I knew that later and logged in my IRS account and gave them my direct deposit information.  Will I get my share from the tax return or the refund will be only deposited into my wife bank account?

[xmasbaby0]

You cannot change the bank account for your direct deposit after you file your tax return.   Your spouse should talk to her bank----the bank might refuse the direct deposit to an account with only her name on it if the deposit has both of your names on it.   If that happens, the refund will be sent back to the IRS and then the IRS will issue a paper check and mail it to the address on the tax return.

[xmasbaby0]

@Mahmoud_1 You tried to PM with additional information.  Please keep all of your related information in this thread in the user forum or it becomes too confusing.   It seems your situation is complicated by some marriage issues----which we cannot give advice about.   However----the answer above is still the answer.    If your spouse's bank refuses the direct deposit, then the refund goes back to the IRS.   When the IRS issues a check, that check will have both of your names on it.   So your spouse will have the problem of having filed a joint return without your permission, and will be stuck with a check she cannot cash unless she forges your signature.   You may need to seek legal advice for this.

[Opus 17]

If there are marriage issues, you need to discuss with an attorney.

When filing a joint return, it is possible to split a refund between two accounts.  It is not possible to change this after filing, however.  This is mainly an anti-fraud measure, since in the past, the IRS was sometimes tricked into sending refund checks to the wrong account.

When a joint refund is directed into an individual account, sometimes the bank will reject it, this depends on the policy of the bank.  If the bank accepts the refund, you will need to discuss it with your wife or an attorney, the IRS will not help because the money was deposited where it was told.    If the bank rejects the deposit, the IRS will mail a check.  The check will be made out jointly if the return was a joint return, but whether a bank would accept a check for cash or deposit with only one signature is a question for the bank.