1.   An account was opened using the tax refund check, authorities said.

2.   - Sixty-two percent said they planned to spend their refund check on everyday purchases or to pay off debts.

3.   A big refund check this year probably means you are having too much tax withheld.

4.   A month after the income tax filing deadline, many people are waiting for their refund checks.

5.   A year ago, Beneficial miscalculated because the U.S. Internal Revenue Service sent the refund checks to borrowers, who spent the money, instead of to the company.

6.   But even when people file their taxes faithfully, a refund check can still be long lost.

7.   Called a refund anticipation loan, it is repaid when the tax preparer receives a refund check from the government.

8.   By contrast, paper tax returns mailed to the IRS will take from six to nine weeks to be processed before a refund check comes back in the mail.

9.   Democrats, many of whom said the tax cut was too large, were careful Friday not to criticize the refund checks.

10.   Finally, the IRS neither prints nor mails the refund checks.