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What if I don't have a bank account?

SOLVEDby TurboTax2446Updated December 13, 2023

Having a bank account certainly makes things easier—especially if you need your tax refund as quickly as possible.

If you don't have a bank account, select your situation to explore other options that may work for you.

If you're getting a refund, but don't have bank account in which to direct-deposit it, you can:

  • Deposit to an existing prepaid card. You'll need the routing and account number, which you can get by calling their customer service number.
  • Open a bank account. Once you've opened your account, come back to TurboTax to enter your bank account information, and then e-file to get your refund as quickly as possible.
  • Opt for a check refund. Please allow 4–6 weeks for delivery for IRS checks.
    • Note: Some state tax departments don't offer check refunds. We'll let you know what other options your state offers.

The IRS accepts money orders and credit cards to pay taxes due. Explore all IRS tax payment options.

We'll let you know what kinds of payment options your state accepts when you get ready to file your state return. You can also contact your state's Department of Revenue for specifics.

If you don't have a bank account, you can pay your TurboTax fees with a U.S.-based credit or pre-paid debit card.

We're unable to accept checks, money orders, or cash as payment.

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