Getting a tax refund this year? Don't have an account? There is still time to #GetBanked. The fastest way to get your tax refund is to have it electronically deposited for free into your bank account with direct deposit.


If you are in one of the 5.9 million U.S. households without a bank account, and you are looking to open an account, there are resources available to help you get started. Banking relationships generally begin with a checking or savings account and may lead to low-interest loans and mortgages.

Banks offer many types of accounts and programs, so there is likely one that can meet your specific needs. This checklist can help you choose the best type of account for your individual needs.

Many FDIC-insured banks offer accounts with low (or no) monthly maintenance fees when you have direct deposit or maintain a minimum balance. They may also offer free access to in-network automated teller machines (ATMs). And, your deposits are insured up to $250,000. Learn more about the top reasons to open a bank account.

There are several general steps to opening a bank account. The actual process varies by financial institution. Learn more about how to open a bank account at an FDIC-insured bank.

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