American Express has been running this pitch for some time now, for good and sensible chronological reasons:
Tired of Waiting for your Tax Refund?
Access your refund up to 2 days FASTER* with Serve this Tax Season.
Add your Tax Refund onto your Account and get faster access than a standard electronic deposit.
“Serve” is an Amex reloadable debit card, sold largely on the basis of lacking several fees common in the industry. I got one in 2015 when they were first offered; I pay $1 a month. Inasmuch as I never seem to get tax refunds anymore, I hadn’t tried that scheme.
Saturday I knocked out my ’16 return — online for once, after many years of hard copy — and discovered to my surprise that I had actually overpaid on ye olde 1040. For the heck of it, I specified the Amex parameters (a routing number and an account number, just like all the other bank stuff) for direct deposit.
It got credited on Wednesday afternoon. No fees, no weirdness.
Good show, Amex.