Yep. It's any tax refund setup to direct deposit from the IRS to your bank account. It doesn't matter if you have employer direct deposit. One other problem is

Yep. It's any tax refund setup to direct deposit from the IRS to your bank account. It doesn't matter if you have employer direct deposit. One other problem is that many people in the US are unbanked so they get prepaid debit cards or a check.