If you didn't give them a routing number, they have obviously placed it into a wrong account. I have always had mine direct deposited, and I HAD to supply my account information/routing number. You need contact whoever did your taxes and find out what they used. IRS may know everything, but one thing they don't do, is find the routing number for you. It's up to you to give them the information. If it isn't in the bank, start with the tax person, and then call the IRS and tell them you have not received it. There have been cases where somebody doing taxes had another persons refund put into THEIR account. It's called theft.