Tax season can feel overwhelming, especially with deadlines, forms, and decisions to make along the way. From gathering documents to filing your return, there’s a lot to keep track of during this time of year.

Whether you’re filing on your own or working with a tax professional, setting up your refund correctly can help avoid delays and get your funds to you as quickly as possible. This simple 3-step guide walks you through exactly how to receive your tax refund with your Platinum smiONE™ Visa^® Prepaid Card.

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Step 1: File Your Taxes

Start by filing your tax return using the method that works best for you, whether that’s an online tax software or a tax professional. Before you file, make sure you have all the required tax documents, including your W-2 form from your employer and any additional income or deduction records.

Depending on your situation, you may also need:

• 1099 forms (for contract work, side income, or interest earned)
• Receipts or records for deductible expenses or charitable donations
• Documents related to education, childcare, or healthcare expenses
• Personal information for your spouse or dependents, including Social Security numbers

To make the most of your refund, don’t forget to explore possible credits and deductions for the current tax year:

• Learn how Tax Deductions could reduce your taxable income.
• Review available credits and deductions directly from the IRS at https://www.irs.gov/credits-and-deductions.

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Step 2: Enter Your smiONE Direct Deposit Information

As part of the filing process, you’ll need to provide the account information where your tax refund should be deposited. To receive your refund on your smiONE Card, you’ll enter your smiONE direct deposit details on your tax return.

When prompted, enter your smiONE routing and account numbers exactly as they appear in your account. Entering this information correctly helps ensure your refund is delivered without delays. Then, select “Checking” for the account type.

Tip: To help avoid processing issues, make sure the personal information on your tax return matches the information on your smiONE account. You can review and update these details by visiting the Personal Info tab in your smiONE mobile app or online account center before filing.

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Step 3: Receive and Access Your Refund

After your tax return is processed and your refund is issued, the funds will be deposited directly onto your smiONE Card using the account information you provided. 

Once your refund is deposited, you can access your money right away using your smiONE Card for everyday purchases, bill payments, or cash withdrawals at eligible ATMs. You can always view your balance and manage transactions through the smiONE mobile app or online account center.

Sign up for account alerts to be notified¹ when your refund arrives. Simply text ALERTS to 42627 to get started.

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Your Refund — Simple and Secure

With your tax return filed and your direct deposit information in place, you can feel confident knowing your refund is set up to be delivered securely. A few simple steps can make a meaningful difference this tax season, helping you stay organized and prepared.

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¹Standard text messaging and/or data rates from your wireless service provider may apply. Text HELP to 42627 for help, STOP to unsubscribe.