You do not need to get the name added. I don't know about state returns bc I do not need to file that bc I live in NH. However for fed returns I do this every year thru turbo tax. My husband and I file jointly. We opt for the turbo card which is thru green dot bank. The card comes in mail. It only has my husbands name on it. It has never been a problem. The money always comes in like 10 days. Besides if there r any issues turbo tax will email u about it.
