Yes! With direct deposit, get access to your federal tax refund up to 6 days faster than a standard electronic deposit from the IRS*. Your tax refund will be added to your account as soon as your return is processed and completed by the IRS. To check the status of your refund, please visit the IRS Where’s My Refund tool, IRS2Go App, or by calling the IRS at 800-829-1954.

If your state allows, you can direct deposit your state tax refund to your Target Circle Card Reloadable Account. Please consult your state for instructions.

*Faster access subject to IRS submitting refund information to the bank before release date. IRS may not submit refund information early.

Because you can get your tax refund faster*! With early direct deposit, you won't have to wait to receive a check in the mail. And you'll get to keep your full refund - no need to pay to have your refund check cashed, it is free to receive your tax refund on Reloadable Target Circle Card. Once you have received your refund, there are many great ways you can use your refund – whether it’s making purchases in store or online, paying bills, or accessing cash.

*Faster access subject to IRS submitting refund information to the bank before release date. IRS may not submit refund information early.

• Make sure you have registered for a Target Circle Card Reloadable Account. If you do not have an account, click here to see how to get a Target Circle Card Reloadable Account.
• Verify your email address that you used to register
• Locate your Target Circle Card Reloadable Account and routing numbers, which you’ll need when you file. You can find them by logging in to your account.

There are two ways that you can file your taxes, either electronically (e-file) or by mailing a paper return. According to the IRS, most refunds are issued in less than 21 calendar days. If you choose to have your refund direct deposited into a Target Circle Card Reloadable Account, you could receive your refund up to 6 days faster than standard electronic deposit from the IRS*. The IRS provides the most up to date information on the status of your refund. Use the IRS Where’s My Refund? tool, IRS2Go App or call the IRS at 800-829-1954 to check your refund status – Target Circle Card Reloadable Account does not have information on the status of your refund until it has posted to your account. It will take 24-48 hours for your funds to be available onTarget Circle Card Reloadable Account after your refund has been released by the IRS.

• If you have e-filed your tax return, you can start to check your status within 24 hours after the e-filed return has been received.
• If you have printed and mailed your tax return, you can start to check your status 4 weeks after you mail your paper return.

*Faster access subject to IRS submitting refund information to the bank before release date. IRS may not submit refund information early.

Please consult the IRS Frequently Asked Questions for any other inquires specific to your tax refund.

Follow the steps below to successfully add your tax refund to your Target Circle Card Reloadable Account:

1. Ensure that the primary name and Social Security Number on your tax return matches the name on your Target Circle Card Reloadable Account exactly.

2. In the refund section of the tax return:

• Fill in your Target Circle Card Reloadable Account routing number
• Fill in your Target Circle Card Reloadable Account number
• Select Checking as the type of account

Log in to your Target Circle Card Reloadable Account to view your account and routing numbers.

Yes. However, to avoid a delay in receiving your funds, the primary name on the account must match the name and social security number that we have on file. If you are listed as the primary name on the account, you cannot be listed as "spouse" on your tax return. If this is not filled out correctly, your refund could be rejected, resulting in a potential delay in receiving your funds from the IRS.

There is a limit of two tax refunds per calendar year per account. You could receive both a federal and state refund on your account for a total of two refunds.

No. In accordance with IRS guidelines, you cannot direct deposit someone else's refund to your account. In this case, the deposit of the tax refund will be rejected.

If you have a subaccount that is used by another person, you cannot receive a tax refund for that person on your Target Circle Card Reloadable Account.

Please consult the IRS Frequently Asked Questions for any other inquires specific to your tax refund.

You can check that status of your refund on the IRS Where’s My Refund? tool, the IRS2Go App, or by calling the IRS at 800-829-1954. The IRS information is updated every 24 hours. Reloadable Target Circle Card customer service does not have information on the status of your refund until it has posted to your account. According to the IRS, most refunds are issued in less than 21 calendar days. It will take 24-48 hours for your funds to be available on Target Circle Card Reloadable Account after your refund has been released by the IRS. You will receive an email from Reloadable Target Circle Card once the refund has posted to your account.

Once you have received your tax refund to your Target Circle Card Reloadable Account, there are many great ways you can use your refund:

• Making purchases - Shop with your Reloadable Target Circle Card card in store and online at millions of merchants. You can use the Visa^® debit card issued with your Reloadable Target Circle Card bank account anywhere Visa^® debit cards are accepted.
• Paying bills -You can pay bills using your card on a merchant website or by using bill pay.
• And more!

Once you have received your tax refund to your Target Circle Card Reloadable Account, there are several ways you can get cash:

• Withdraw from ATMs
  
  You can withdraw your tax refund anywhere Visa^® debit cards are accepted, including ATMs at Target stores*. You can withdraw up to $750 a day – if you are expecting a large tax refund, you will need to plan to withdraw your refund over multiple days due to daily ATM withdrawal limits. Please see the Deposit Account Agreement for the full schedule of account limits and fees. If you have issues with your ATM PIN or forgot your PIN, please log in and go to My Profile to reset your PIN.
  
  * Transactions at Allpoint ATMs within Target stores are free. All other ATMs have a fee of $2.50 fee.
  
  
• Cash Back at Point of Sale
  
  If permitted by the merchant, you can use the Visa^® debit card issued with your Target Circle Card Reloadable Account to get cash back from point of sale (POS) devices when you shop in stores. There are no fees, but limits apply. Cash back at point-of-sale withdrawals are available up to the daily withdrawal authorization limits, provided the available balance in your account is greater than or equal to the cash withdrawal amount requested. Cash withdrawals may also be subject to varying daily limits at the terminal owner’s discretion. 

• Over-the-Counter Cash Withdrawal
  
  You may also present the Visa^® debit card issued with your Target Circle Card Reloadable Account to a teller at a Visa^® member bank location and request the amount of cash you’d like to receive. This is known as an over-the-counter (OTC) cash withdrawal. There is a fee of $3.75 for this type of withdrawal. OTC withdrawals are available up to the daily withdrawal authorization limits, provided the available balance in your account is greater than or equal to the cash withdrawal amount requested.