How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask Merlo Your Own Question

Merlo
Merlo, Accountant
Category: Tax
Satisfied Customers: 9783
Experience:  25+ years tax consulting. Specializing in returns for US citizens living abroad
Type Your Tax Question Here...
Merlo is online now
A new question is answered every 9 seconds

I recently married a woman who lives in a foreign country and

Resolved Question:

I recently married a woman who lives in a foreign country and is not an American citizen. We're working on getting her a tax indentification number, but will the tax refund check require me to wait until my next trip to THailand to get her signature or handle it through the mail. Or alternatively can we specifiy direct deposit to my bank even though it is not a joiint account with her name on it?
Submitted: 5 years ago.
Category: Tax
Expert:  Merlo replied 5 years ago.
Hello dan,

Do you plan to file a joint return with your wife or will you file as married filing a separate return?

Does your wife also hae income in Thailand?
Customer: replied 5 years ago.
Filing a joint return. My wife has no income
Expert:  Merlo replied 5 years ago.
Hello dan,

In order to file a joint return, your wife will have to have a TIN (taxpayer identification number).

You may obtain this by completing Form W-7 which does require her signature, but you still have time to get that by sending her the application to sign. Once you get the form completed and signed, you attach the Form W-7 to the front of your tax return. You did not need to actually get the number before filing your return.

If this was helpful please press the Accept button. Positive feedback is also appreciated.

Thank you.
Customer: replied 5 years ago.
No. YOu didn't answer my question. As a matter of fact in the question I told you we are working on the TIN. Please read my question again. Its in regard to a refund check
Expert:  Merlo replied 5 years ago.
Hello again dan,

Sorry I misunderstood your question.

As far as your refund, as long as at least your name is XXXXX XXXXX account, then you may specify direct deposit to your bank account and the IRS will process it that way, even though your wife's name is XXXXX XXXXX on the account.

However, even though there is not a problem as far as the IRS issuing the refund to your account, you would also have to check with your bank to see if they will accept the direct deposit this way. Some banks do require that both names be on the account in order to accept a direct deposit from the IRS that is payable to both taxpayers. But the IRS itself will issue the refund without a problem.

Thanks again for using JA and let me know if you have more questions.

Customer: replied 5 years ago.
Do you know if it is generally the case that banks will not accept a direct deposit of IRS check without both names on account or does it vary from one bank to another?
Expert:  Merlo replied 5 years ago.
Hello again dan,

To the best of my knowledge, most banks will accept the direct deposits, even with only one name on the account, but it does depend on the individual bank.

I have even heard of some banks who do not check the names at all. Whatever bank routing number and account number appear on the deposit is the account they put the refund in. We had one customer on here last year who accidentally put the wrong account number on his refund request, and it went to someone totally different who spent the money before the bank could get it back from him, and there was nothing he could do about it, because the IRS makes it your responsibility to be sure the information you submit is correct.

But getting back to your original question, yes I believe most banks will accept your deposit with only your name being on the account, but you might want to check with them to be sure.

Thanks again.
Merlo, Accountant
Category: Tax
Satisfied Customers: 9783
Experience: 25+ years tax consulting. Specializing in returns for US citizens living abroad
Merlo and 6 other Tax Specialists are ready to help you

JustAnswer in the News:

 
 
 
Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.
 
 
 

What Customers are Saying:

 
 
 
  • I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response... T.G.W Matteson, IL
< Last | Next >
  • I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response... T.G.W Matteson, IL
  • I WON!!! I just wanted you to know that your original answer gave me the courage and confidence to go into yesterday's audit ready to fight. Bonnie Chesnee, SC
  • Great service. Answered my complex tax question in detail and provided a lot of additional useful information for my specific situation. John Minneapolis, MN
  • Excellent information, very quick reply. The experts really take the time to address your questions, it is well worth the fee, for the peace of mind they can provide you with. Orville Hesperia, California
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK
  • This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!! Alex Los Angeles, CA
  • Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult. GP Hesperia, CA
 
 
 

Meet The Experts:

 
 
 
  • Wallstreet Esq.

    Tax Attorney

    Satisfied Customers:

    570
    10 years experience
< Last | Next >
  • http://ww2.justanswer.com/uploads/KU/KUMI95/2013-9-30_195031_kumar.64x64.jpg Wallstreet Esq.'s Avatar

    Wallstreet Esq.

    Tax Attorney

    Satisfied Customers:

    570
    10 years experience
  • http://ww2.justanswer.com/uploads/CU/Cuttinggirl/2011-10-29_03719_wcrop2.64x64.jpg Wendy Reed's Avatar

    Wendy Reed

    Enrolled Agent

    Satisfied Customers:

    3052
    15+ years tax preparation and tax advice.
  • http://ww2.justanswer.com/uploads/CATax/2009-08-04_204548_Mark.jpg Mark D's Avatar

    Mark D

    Enrolled Agent

    Satisfied Customers:

    985
    MBA, EA, Specializing in Business and Individual Tax Returns and Issues
  • http://ww2.justanswer.com/uploads/IN/insearchoftheanswer/2013-8-16_0233_attorney.64x64.jpg Richard's Avatar

    Richard

    Tax Attorney

    Satisfied Customers:

    3229
    29 years of experience as a tax, real estate, and business attorney.
  • http://ww2.justanswer.com/uploads/MY/MyVirtualCPA/2012-7-5_44024_cookmegan1.64x64.jpg Megan C's Avatar

    Megan C

    Certified Public Accountant (CPA)

    Satisfied Customers:

    6121
    Licensed CPA, CFE, CMA who teaches accounting courses at Master's Level
  • http://ww2.justanswer.com/uploads/JG/jgordosea/2012-6-7_43138_GordosVeritas.64x64.jpg jgordosea's Avatar

    jgordosea

    Enrolled Agent

    Satisfied Customers:

    2783
    I've prepared all types of taxes since 1987.
  • http://ww2.justanswer.com/uploads/OZ/ozaukeecpa/2012-6-7_193219_Picture1croppedandshrunk.64x64.jpg MequonCPA's Avatar

    MequonCPA

    Certified Public Accountant (CPA)

    Satisfied Customers:

    2231
    CPA, Over 30 yrs experience w/individuals and small businesses. Masters in Tax.