I live in the US. I've mailed, through the US Post Office, my federal tax forms for the past few years as I don't pay for software to file my taxes. I have al

I live in the US. I've mailed, through the US Post Office, my federal tax forms for the past few years as I don't pay for software to file my taxes. I have always gotten my tax refunds or other stimulus money directly deposited into my bank account by the IRS without any issues, including the past 2 stimulus payments. I believe every time the government is using ACH transfers to do this. Do most people in the US not do this when they file their taxes? Do businesses not have the ability to do this like people do? I mean, I know a lot of people in the US don't have bank accounts, so the only way for the government to send them money is via a check in the mail. This should (hopefully) be the exception and not the standard procedure.