Whether an amended tax refund can be direct deposited depends entirely on how the amendment was filed.
Direct Deposit Eligibility
| Filing Method | Refund Method | Processing Speed |
|---|---|---|
| Amended return was e-filed | Direct deposit allowed | Fastest option |
| Amended return was mailed on paper | Paper check only | Longer delays |
| Original refund was mailed but amended return e-filed | Direct deposit allowed | Normal e-file timing |
| Amended return filed more than once in a year | IRS may default to check | Slower |
The IRS allows direct deposit when they can verify updated bank information through the e-file submission. Paper returns require manual review, so the IRS automatically issues a check.
When to Expect the Deposit
Even after approval, amended refunds continue to move slowly through IRS systems. Direct deposit is typically issued:
- 2 to 6 weeks after processing is completed
- Only after IRS final notices have posted to your account
Do not expect the same quick timeline as an original return.
Can the Bank Reject the Deposit?
Yes. The deposit will be returned if:
- The account is closed
- The name on the account does not match IRS records
- Routing or account numbers are incorrect
Returned funds will then be mailed as a paper check, adding several weeks to the wait.
Summary
Direct deposit is possible for amended refunds only when the amended return was electronically filed. If the return was mailed, a paper check will be issued automatically.
