The IRS and most state taxing authorities will not grant a request for a direct deposit of a client's refund for any prior year return that is electronically filed. For this reason, the ability to select a bank product in a prior year is not supported.
The IRS 1040 instructions include a section titled Reasons Your Direct Deposit Request Will Be Rejected. Listed in this section, is the following:
- You file your 2020 return after November 30, 2021.
- You file your 2019 return after November 30, 2020.