After you file

I can't remember but likely on one of those boards full of liars. I have since found this:

The IRS has no dollar limit on direct deposit of refunds. However, direct deposit must only be made to accounts bearing the taxpayer's name. ... The fourth and subsequent refunds automatically will convert to a paper refund check and be mailed to the taxpayer. For more information, see IRS Direct Deposit Limits.


I also read that they are randomly selecting some refunds for paper checks but that is probably BS also.