Instructions For Form Ct-1040 - Connecticut Resident Income Tax

REFUND OPTIONS

Direct Deposit

The fastest way to get your refund is to ﬁ le your return electronically and elect direct deposit. Join the more than

660,000 taxpayers who chose direct deposit in 2011 because: the money goes directly into your bank account; it

eliminates the possibility of the refund being lost, stolen or returned as undeliverable; and it saves tax dollars

by costing the government less.

Make your direct deposit successful by:

•

Conﬁ rming your account number and routing number with your ﬁ nancial institution and entering them clearly

on your tax return;

•

Entering the direct deposit information separately for both your federal and state electronically ﬁ led returns; and

•

Printing your software-prepared paper return only after you have entered the direct deposit information into the

program.

Some ﬁ nancial institutions do not allow a joint refund to be deposited into an individual account.

Debit Cards

Generally, if you do not elect direct deposit, DRS will issue your refund by debit card. Debit cards provide

taxpayers with immediate access to their funds through:

• Free transfers to any U.S. checking or savings account;

• Free teller assisted withdrawals (cash advance) at any VISA member bank or credit union;

• Free cash withdrawals at Chase or People’s ATMs;

• Three free cash withdrawals at other ATMs (Surcharges will apply at any ATMs other than Chase and People’s); and

• Unlimited free transactions at retail locations and online businesses across the United States that accept Visa.

Joint ﬁ lers will receive two debit cards drawn from the same account (similar to a joint bank account). Each card

may be used to make transactions, but the combined transactions cannot exceed the credit balance in the debit card

account. Both cards must be activated prior to use.

For more information on DRS tax refund debit cards, visit , select Individuals and select Debit Card

FAQs.

When ﬁ ling your return, don’t forget the Connecticut Earned Income Tax Credit.

• To qualify for the Connecticut Earned Income Tax Credit (CT EITC), you must be a full-year Connecticut

resident. Part-year residents and nonresidents do not qualify for the CT EITC and must ﬁ le Form CT-1040NR/PY.

• Qualiﬁ ed taxpayers claim the CT EITC by completing Schedule CT-EITC, Connecticut Earned Income Tax

Credit (included in this book).

• Schedule CT-EITC must be attached to Form CT-1040 (or Form CT-1040X) or the credit will not be approved.

• The CT EITC is equal to 30% of the amount of the federal earned income tax credit claimed and allowed.

For more information, see Schedule CT-EITC instructions on Page 33.

Connecticut taxpayers may obtain help ﬁ ling Schedule CT-EITC by visiting /eitc or calling Infoline 211

for information on reputable and free tax ﬁ ling assistance. See the back cover for more Connecticut tax information.

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Instructions For Form Ct-1040 - Connecticut Resident Income Tax - 2012 Page 2