As we mentioned in Monday’s Prepaid 101, one of the Kaiku Card’s best features is our mobile check deposit. But did you know you can also use Kaiku to setup Direct Deposit? And did you know you can also setup Direct Deposit for your 2015 tax return?!

That’s right. If you haven’t filed yet, there’s still to get your refund sent directly to your Kaiku Card. Here’s why we think Direct Deposit is the best option for your tax return, and everything you need to know to set it up:


According to the IRS, 8 out of 10 taxpayers receive their tax refunds electronically via Direct Deposit. Here are 4 reasons why you should do the same, and instructions on how to Direct Deposit your refund to your Kaiku Card.


Reason #1. Direct Deposit is Faster than a Check

The fastest way to get your refund is to electronically file your federal tax return and use Direct Deposit. Use IRS Free File to prepare and e-file your federal return for free. Note: you can still use Direct Deposit even if you file a paper tax return.

When you select Direct Deposit, your tax return will be sent straight to your Kaiku Card (or any other account you’ve designated to receive it). This is much faster than receiving a check in the mail and standing in line at the bank!


Reason #2. Direct Deposit is More Secure

The IRS system is the same electronic transfer system used to deposit nearly 98 percent of all Social Security and Veterans Affairs benefits into millions of accounts. Since your refund goes directly into your Kaiku Card account, there’s no risk of having your refund check stolen or lost in the mail.



Reason #3. It’s Convenient and Paperless

Doing taxes is already a pain in in the neck, so why not make it as easy as you can? By choosing to Direct Deposit your refund onto your Kaiku Card, you won’t have to wait to receive your check in the mail and then hit up the bank to deposit it the old fashioned way.

Plus, Direct Deposit is paperless. That means less clutter in your home office, and you’ll make some trees happy.



Reason #4. Direct Deposit is Easy to Setup on Kaiku

So how do you arrange to have your 2015 tax refund Direct Deposited onto your Kaiku Card? It’s easy! Just follow these three steps:

1. Login to your account at or click on the Direct Deposit icon in the Kaiku Mobile App**. You’ll find the routing and account numbers for your Kaiku Card. Add these to your tax form.

2. Fill out your taxes and select “checking” as your refund type. (Make sure the name on your form matches the name on your Kaiku Card).

3. Kick back, relax and wait for your refund to be automatically deposited into your account.

* Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds is subject to payer’s support of the feature and timing of payer’s funding.

** Data rates may apply.


What are you waiting for?

Sign up for a Kaiku Card and Direct Deposit your 2015 tax refund today.