Can I split my refund if I file on any Form 1040

Yes, you can split your refund if you file on any Form 1040. The instructions across various versions of Form 1040, including the standard Form 1040, Form 1040-SS, Form 1040-NR, and even in the context of amending a return with Form 1040-X, consistently provide the option to split your refund into multiple accounts. This is facilitated through the use of Form 8888, "Allocation of Refund (Including Savings Bond Purchases)."

• For the standard Form 1040, as well as for Forms 1040-SR and 1040-NR, the instructions specify that if you want to split the direct deposit of your refund into more than one account, or use all or part of your refund to buy paper series I savings bonds, you should complete the appropriate lines on the form and attach Form 8888.
• The same option is available for Form 1040-SS and Form 1040-NR-EZ filers, indicating a consistent policy across different versions of Form 1040 that allows for the splitting of refunds into multiple accounts.
• Even when filing an amended return using Form 1040-X, taxpayers are given the option to split their refund by checking the appropriate box and attaching Form 8888.

This option provides flexibility for taxpayers in managing their refunds, allowing for direct deposits into different accounts, including checking, savings, and retirement accounts, among others, at U.S. financial institutions.

Sources:
Publication 17 (2023)
Instructions for Form 1040-SS (2023)
Instructions for Form 1040-X (01/2023)
Instructions for Form 8857 (06/2021)
Instructions for Form 1040-NR-EZ (2019)
1040 (2023)
Instructions for Form 1040-NR (2023)