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So far I'm not impressed with e-filing.

Don't blame efiling. If anything, blame TurboTax, or their procedure. We use efiling extensively at our VITA/TCE site, and here's how it works for us:

- We prepare taxpayer returns in the mornings. We strongly encourage both efiling and direct deposit of refunds. Sometimes circumstances require that we generate a paper return, and some people are distrustful of direct deposit, or don't have bank accounts. All the same, our efiling rate is in excess of 90% of returns prepared. I estimate that about half of taxpayers getting refunds elect direct deposit.

- I am one of two efilers, by which I mean that I actually send in the returns. (So far this year I've sent in 297 returns.) Almost all our efiles go to the IRS center in Andover, Mass. I typically send in the morning batch of returns in mid-afternoon.

- I receive IRS acknowledgements early the next morning. 96% of efiles are accepted as filed. The others have to be fixed in some way - maybe there's a typo, or we got bum info from a taxpayer, or (surprise!) someone else has already claimed a dependent. (That's actually the most interesting part of the job - tracking down and fixing the errors..)

- Meanwhile, state efiles have already been forwarded by the IRS. State acknowledgents generally arrive early afternoon.

- Federal direct deposit refunds appear to be posted on Thursdays this year, and there's about a week lead time. The state of Maryland is extremely fast: their direct deposit refunds appear in just a day or two.

- So - if we do your return on Monday morning, say, it will be sent in that afternoon. We will receive federal acceptance early Tuesday, and state acceptance Tuesday afternoon. State refund will likely show up in your account on Thursday, and federal refund a week later.

What's not to like?

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