I have 20+ years of experience with the FBI where I investigated and managed hundreds of white collar crime cases. I am very familiar with the different means available for taxpayers to file returns electronically to include splitting refunds between qualified accounts which can be a checking, savings, or other accounts, such as an individual retirement arrangement (IRA), health savings account (HSA), and others. I am also aware that the IRS recently limited the number of direct deposit refunds to a single financial account or pre-paid debit card to 3. In many instances, refunds are directed to various prepaid gift cards. Fraud scenarios include criminals using PII to acquire electronic filing PINs from the IRS in the taxpayers’ names and using them to bypass IRS authentication procedures to receive direct electronic tax refund deposits via prepaid cards. The prepaid cards have routing and account numbers, making them look like a legit direct deposit, without any real traceability if paid for by cash.