Question If I am filing a joint return with my spouse, must our refund be deposited to a jointly-held account? Answer You can ask the IRS to direct deposit a refund from a jointly-filed return into your account, your spouse's account, or a joint account. However, because state and financial institution rules can vary, you should first verify that your financial institution accepts a joint refund deposit into an individual account. Category IRS procedures Sub-Category Refund inquiries
