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It actually is very easy for the IRS to tell what routing  and account numbers  from real banks like Bank of America and other banks that just do these prepaid debit card through the FDIC (Federal Deposit Insurance Corporation). Green Dot may be a FDIC, but  they know by the routing and account numbers given that it's a loadable prepaid debit card or has third party companies connected to use the card for such cash advances or to pay fees assessed by loading monies on the card ect. Also, the routing number specifies if there are actual branches for the bank or if it's sole purpose is to have monies loaded at a store or transfered from another vendor.