Will the IRS allow a direct deposit of a "married filing joint" refund into a bank account with only one of those person's names?
Yes, the IRS permits the direct deposit of such refunds to an account held only in the name of one of the joint taxpayers, but includes an alert that not all banks will accept such a deposit. If the bank refuses the deposit, the IRS will then arrange for the refund to be sent by jointly-payable check, addressed to the taxpayers.
If the refund is paid by U.S. Treasury check, Treasury regulations will permit it to be deposited to an account held by only one of the payees, provided that both payees endorse the check. Here again, however, a bank is not required to accept such a check for deposit. A bank might not be able to verify the endorsement of the other payee, for example. It is always a good idea to check with the bank involved to determine its policy.
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Yes, the IRS permits the direct deposit of such refunds to an account held only in the name of one of the joint taxpayers, but includes an alert that not all banks will accept such a 