You can now as of 2010 can use direct deposit in order to use your tax refund to purchase U.S. Series I Savings Bonds.
This is one way that the government is trying to help us to save for our retirement.You do not have to use it all on the bonds either you can split the funds up into three different accounts to be put into.
I guess this is a good thing,you will have to read it for yourself and see what you think.
http://www.irs.gov/newsroom/article/...217791,00.html