After you file

Using someone else's bank account--even your parents'-- is risky.  When the refund comes to a bank account that is not in your name, the bank will reject it and return it to the IRS.  Then the IRS issues a paper check and mails it to the address on your tax return. This can delay your refund for weeks.  

**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.**