After you file

Having your refund deposited into some one else's account is a bad idea.  The bank is most likely to reject the deposit.  When the bank rejects it, it goes back to the IRS.  Then the IRS issues a paper check and mails it to you at the address you put on your tax return.  That will delay your refund by at least a couple of weeks, maybe more.

**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**