Simple. Crank up your withholding exemptions so that you owe the IRS at the end of the year instead of having a refund due that can be stolen. Too late for many, I read today that 250,000 people have had their refund stolen by fraudsters filing a fake return and diverting the refund to themselves. Don't let the IRS owe you money. It will have the effect of saving you from fraud and I expect it would cost the government millions in interest they collect on refund money they hold all year before disbursement.