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From this year onwards IRS is allowing taxpayers to divide their federal income tax refund among up to three different bank accounts. To take advantage of this split refund option, you need to check the appropriate box on your income tax return and attach a completed Form 8888. Be sure that you provide the correct routing numbers and account numbers, and that you understand the rules your financial institution has regarding which accounts can accept direct deposits. Problems with this information can result in the issuance of paper checks, which will probably delay your refund.