Page 73

Form 1040—Lines 73a Through 73d The IRS is not responsible for a structed them to use a different routing Lines 73a Through 73d lost refund if you enter the number for direct deposits. wrong account information. Ask your financial institution for the CAUTION ! Check with your financial insti- correct routing number to enter on line 73b tution to get the correct routing and ac- if: Simple. Safe. Secure. DIRECT DEPOSIT count numbers and to make sure your direct • Your deposit is to a savings account Fast Refunds! Choose direct deposit will be accepted. Do not use the that does not allow you to write checks, or routing number on a deposit slip if it is deposit—a fast, simple, safe, secure • Your checks state they are payable different from the routing number on your way to have your refund deposited through a financial institution different checks. automatically to your checking or from the one at which you have your check- savings account, including an If you file a joint return and check the ing account. individual retirement arrangement box on line 73a and attach Form 8888 or fill Line 73c (IRA). See the information about IRAs in lines 73b through 73d, your spouse may get at least part of the refund. on this page. Check the appropriate box for the type of account. Do not check more than one box. If the direct deposit to your account(s) is If the deposit is to an account such as an different from the amount you expected, IRA, health savings account, brokerage ac- Why Use Direct Deposit? you will receive an explanation in the mail count, or other similar account, ask your • You get your refund faster by direct about 2 weeks after your refund is depos- financial institution whether you should deposit than you do by check. ited. check the “Checking” or “Savings” box. • Payment is more secure. There is no You must check the correct box to ensure TreasuryDirect®. You can request a de- check that can get lost or stolen. your deposit is accepted. For a posit of your refund to a TreasuryDirect® • It is more convenient. You do not TreasuryDirect® online account, check the online account to buy U.S. Treasury mar- “Savings” box. have to make a trip to the bank to deposit ketable securities and savings bonds. For your check. more information, go to www. Line 73d treasurydirect.gov. • It saves tax dollars. It costs the gov- The account number can be up to 17 char- ernment less to refund by direct deposit. acters (both numbers and letters). Include U.S. Series I Savings Bonds. You can use If you want us to directly deposit the hyphens but omit spaces and special sym- your refund to buy up to $5,000 in U.S. bols. Enter the number from left to right amount shown on line 73a to your checking Series I Savings Bonds. The amount you and leave any unused boxes blank. On the or savings account, including an IRA, at a request must be a multiple of $50. You do sample check below, the account number is bank or other financial institution (such as a not need a TreasuryDirect® account to do 20202086. Do not include the check num- mutual fund, brokerage firm, or credit this. See the Form 8888 instructions for ber. details. union) in the United States: You cannot request a deposit of your • Check the box on line 73a and attach Line 73a refund to an account that is not in your Form 8888 if you want to split the direct name (such as your tax preparer’s own ac- You cannot file Form 8888 and split your deposit of your refund among two or three count). refund among two or three accounts if accounts, or Form 8379 is filed with your return. Some financial institutions will • Complete lines 73b through 73d if you not allow a joint refund to be Line 73b want your refund deposited to only one ac- deposited to an individual ac- count. The routing number must be nine digits. CAUTION ! count. If the direct deposit is The first two digits must be 01 through 12 Otherwise, we will send you a check. rejected, a check will be sent instead. The or 21 through 32. Otherwise, the direct de- IRS is not responsible if a financial institu- posit will be rejected and a check will be tion rejects a direct deposit. Note. If you do not want your refund di- sent instead. On the sample check below, rectly deposited to your account, do not Individual Retirement the routing number is 250250025. Bob and check the box on line 73a. Draw a line Jennifer Maple would use that routing Arrangement (IRA) through the boxes on lines 73b and 73d. number unless their financial institution in- You can have your refund directly depos- ited to a traditional IRA, Roth IRA, or SEP-IRA, but not a SIMPLE IRA. You must establish the IRA at a bank or other financial institution before you request di- rect deposit. Make sure your direct deposit will be accepted. You must also notify the trustee of your account of the year to which the deposit is to be applied unless the trus- tee will not accept a deposit for 2009. If you do not, the trustee can assume the de- posit is for the year during which you are filing the return. For example, if you file your 2009 return during 2010 and do not notify the trustee in advance, the trustee can assume the deposit to your IRA is for 2010. If you designate your deposit to be for 2009, you must verify that the deposit was actually made to the account by the due date of the return (without regard to exten- sions). If the deposit is not made by that date, the deposit is not an IRA contribution for 2009. In that case, you must file an Do not include the check number. 1234 SAMPLE BOB MAPLE JENNIFER MAPLE 123 Pear Lane Anyplace, DC 20000 15-0000/0000 PAY TO THE ORDER OF $ DOLLARS ANYPLACE BANK Anyplace, DC 20000 For |:250250025|:202020"’86". 1234 The routing and account numbers may be in different places on your check. (line 73b) (line 73d) Routing number Account number   Sample Check—Lines 73b Through 73d CAUTION amended 2009 return and reduce any IRA - 73 - Need more information or forms? See page 96.