If you don't e-file and have your Federal tax refund deposited directly into your bank you will be issued a debit card this year. The days of the physical check are over. If you are married and file jointly you and your spuse will both receive a debit card with full access to the full amount of the refund.

There are a lot of people that are conspiracy theorists that believe the government will be tracking your spending. In reality, it is true that the could. The question is, will they exercise this right?

Bottom line. I don't want to find out. I'm going to e-file. The whole story is here, so give it a watch.

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