1040 Ez Instructions 2015 Page 21
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442015 Form 1040EZ—Line 13a through Line13d
trustee or custodian of your account of the year to which the de-
Your checks state they are payable through a financial insti-
posit is to be applied (unless the trustee or custodian won't ac-
tution different from the one at which you have your check-
cept a deposit for 2015). If you don't, the trustee or custodian
ing account, or
can assume the deposit is for the year during which you are filing
Your deposit is to a myRA account.
the return. For example, if you file your 2015 return during 2016
and do not notify the trustee or custodian in advance, the trustee
Line 13c
or custodian can assume the deposit to your IRA is for 2016. If
Check the appropriate box for the type of account. Do not check
you designate your deposit to be for 2015, you must verify that
more than one box. If the deposit is to an account such as an
the deposit was actually made to the account by the due date of
IRA, health savings account, brokerage account, or other similar
the return (not counting extensions). If the deposit isn't made by
account, ask your financial institution whether you should check
that date, the deposit isn't an IRA contribution for 2015. If you
the “Checking” or “Savings” box. You must check the correct box
make a contribution to a traditional IRA for 2015, you may be
to ensure your deposit is accepted. If your deposit is to a myRA
able to take an IRA deduction, but you must file Form 1040A or
account or TreasuryDirect® online account, check the “Savings”
1040 to do so.
box.
You and your spouse each may be able to contribute
up to $5,500 ($6,500 if age 50 or older at the end of
!
Line 13d
2015) to a traditional IRA or Roth IRA (including
CAUTION
The account number can be up to 17 characters (both numbers
myRA) for 2015. You may owe a penalty if your total
and letters). Include hyphens but omit spaces and special sym-
contributions exceed these limits and the limits may be lower de-
bols. Enter the number from left to right and leave any unused
pending on your compensation income. For more information on
boxes blank. On the sample check below, the account number is
IRA contributions, see Pub. 590-A. If the limits on IRA contribu-
20202086. Do not include the check number.
tions change for 2016, Pub. 590-A will have the new 2016 limits.
If the direct deposit to your account(s) is different from the
For more information on IRAs, see Pub. 590-A and Pub.
amount you expected, you will receive an explanation in the mail
590-B.
about 2 weeks after your refund is deposited.
myRA® If you already have a myRA® account, you can re-
Sample Check—Lines 13b Through 13d
quest a deposit of your refund (or part of it) to your myRA ac-
count. A myRA is a starter retirement account offered by the De-
1234
Henry Maple
partment of the Treasury. For more information on myRA and to
Naomi Maple
open a myRA account online, visit
15-0000/0000
1234 Redwood Circle
Anytown, MD 20000
TreasuryDirect®. You can request a deposit of your refund (or
PAY TO THE
$
ORDER OF
part of it) to a TreasuryDirect® online account to buy U.S. Treas-
Routing
Account
ury marketable securities and savings bonds. For more informa-
number
number
DOLLARS
(line 13b)
(line 13d)
tion, go to
ANYTOWN BANK
Do not include
Anytown, MD 20000
the check number.
Form 8888. You can have your refund directly deposited into
For
more than one account or use it to buy up to $5,000 in paper ser-
:202020 "’ 86 " . 1234
|
|
:250250025
ies I savings bonds. You do not need a TreasuryDirect® account
to do this. For more information, see the Form 8888 instructions.
The routing and account numbers may be in different
Line 13a
places on your check.
CAUTION
You cannot file Form 8888 to split your refund into more than
one account or buy paper series I savings bonds if Form 8379 is
Reasons Your Direct Deposit Request Will Be
filed with your return.
Rejected
If any of the following apply, your direct deposit request will be
Line 13b
rejected and a check will be sent instead.
The routing number must be nine digits. The first two digits must
You are asking to have a joint refund deposited to an individ-
be 01 through 12 or 21 through 32. On the sample check later,
ual account, and your financial institution(s) won't allow this.
the routing number is 250250025. Henry and Naomi Maple
The IRS isn't responsible if a financial institution rejects a di-
would use that routing number unless their financial institution in-
rect deposit.
structed them to use a different routing number for direct depos-
The name on your account doesn't match the name on the
its.
refund, and your financial institution(s) won't allow a refund
Ask your financial institution for the correct routing number to
to be deposited unless the name on the refund matches the
enter on line 13b if:
name on the account.
The routing number on a deposit slip is different from the
Three direct deposits of tax refunds have already been
routing number on your checks,
made to the same account or prepaid debit card.
Your deposit is to a savings account that doesn't allow you
You haven't given a valid account number.
to write checks,
You file your 2015 return after December 31, 2016.
-21-
Instructions for Form 1040EZ
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