WooHoo! We got our tax return direct deposited into your account - that is the coolest thing ever! It took two weeks - seriously two weeks. Gone are the days of waiting two months for a check. And the best news....we used it to completely and totally pay off all plastic. We are officially free of the credit card monster. It's a nice feeling. And we are soon to be free of the student loan monster as well. Excellent, excellent news.