Question

Can I have the refund direct deposited to an Estate bank account?

Forum|Forum|1 year ago
March 8, 2025
2 replies
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My mom died last year and I'm filing her income tax return. She is due a refund. Can I use the routing number of her Estate bank account for the refund. I just want to make sure it doesn't get rejected because it's "the Estate of... ". Also, since I'm the court appointed representative, it's my understanding I do not need to file Form 1310. But it's not clear. There was an update to the form 1310 last November, so when I do a search, I'm getting outdated information. Any help would be appreciated!

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M-MTax

You can file a 1310 if you want the refund check made payable to you.

Otherwise, the direct deposit information needs to exactly match the EIN and name of the account at the bank (or the bank may reject it)

S

suzbro37Author

Oh, now I'm really confused. I'm filing my deceased mom's final income tax return (1040) using her SS# (not the EIN). I won't be filing her final Estate tax return until September. Since the income tax return will have her Social Security number, I guess the income tax refund cannot go into her Estate account (because the Estate account uses the EIN). This is so complicated! I can't use Form 1310 either, because none of the boxes apply to me. I am the Court-Appointed representative. Box B on Form 1310 is for court-appointed representatives who are filing a 1040-X. I am not filing the 1040-X. I'm just filing her 1040. I can't possibly be the only person who is in this situation. Should I hire a tax attorney to help me with this?

M-MTax

You should just likely file as usual. If the DD is rejected, the IRS will simply send you a check made payable to the estate (which you can them deposit in the estate account).