Well, due to fraud if u go on the irs site it says it wont direct deposit more tgen 3 times to the same account. Doesnt that make a lot of sense? That a new unverified rando account is way safer then an established checking account you have used for years. The reason i found out is i was actually one of the people who used the same account for years. So while waiting on direct deposit that never came i received a check. So i still think it will come in check. They will not wamt to get into a system of flagging 4th direct deposits.