Direct Deposit
Important: Incorrect banking information will delay your refund. Therefore, please verify that your bank account number and bank routing transit number (RTN) are correct before submitting your return.
Direct deposit is available for individual income tax returns that are eFiled using approved software. Direct deposit is only available for the original return and is not available for returns filed by paper.
Direct deposit refunds are electronically transferred to your financial institution into a checking or savings account. Refunds may not be direct deposited into a credit card account or into a foreign financial institution. If you use a foreign financial institution, you will be issued a paper check.
The NDCOR eFile program does not allow Refund Anticipation Loans (RALs.)
A check will be issued to you if your refund cannot be direct deposited into your account based upon the information provided, rejection by your financial institution, or at the discretion of the NCDOR based upon a review of your return. Checks will be made payable to all individuals listed on the return and will be mailed to the address provided on the return.
Frequently Asked Questions
No.
If you eFile your return, you can typically expect to receive your refund within 3-6 weeks. For more information, visit our refund page.
Direct Deposit refunds may be received approximately 3-10 days earlier than a paper check.
No, a refund can only be deposited into one account.
Some financial institutions do not permit the deposit of a joint refund into an individual account. You should verify your financial institution's policy on direct deposit before filing.
Yes, your state refund can be deposited into a different account than your federal refund. You can elect to have your state refund direct deposited even if your federal return is a tax due or vice versa. Your federal and state refunds can be deposited into the same account (checking or savings).
There are no limitations on the number of deposits that can be made to one bank account. However, the NCDOR reserves the right to issue a check in the event of an erroneous account or routing transit number, closed accounts, bank mergers, or for any other reason at the discretion of the NCDOR.
No, a notice will not be sent to you or your tax preparer to confirm that your refund was deposited. The NCDOR cannot guarantee a specific date that a refund will be deposited. You can check the status of your refund by visiting our refund page.