Have not seen ours yet. But certainly should 'qualify' and our tax returns are direct deposit. Our bank never shows stuff that is pending, so could be there on hold. While I am working full time plus, and we did not 'need' it, we can certainly use it. And as long as they are doing it, I would not even consider not accepting. When the money monster is done taking a crap, he's gonna be hungry. We will be paying this back one way or another.