5632: 2025 MOST - Missouri's 529 Education Savings Plan Direct Deposit Form - Individual Income Tax (2025)
Missouri · Missouri DOR · Used for tax years 2025
Missouri Form 5632 lets you request that all or part of your individual income tax refund be deposited into up to four MOST 529 Education Plan accounts. It lists the account numbers, the amount to contribute to each account, and the total deposit.
Who files this form
Include Form 5632 with your Missouri Individual Income Tax Return if you want to deposit all or part of your refund into one or more Missouri MOST 529 Education Plan accounts.
You must have an open Missouri MOST 529 Education Plan account administered by the Missouri Education Program. Your total deposit must be at least $25, and you may contribute to no more than four accounts.
What you'll need
Have the following ready to complete Form 5632:
- Your Missouri Individual Income Tax Return, Form MO-1040 or MO-1040A.
- Your name and Social Security number, and your spouse’s information if applicable.
- The 11-digit MOST 529 account number for each account receiving a contribution.
- The amount you want deposited into each account.
How to file
- Enter your taxpayer information on Form 5632.
- Enter each 11-digit MOST 529 account number and the amount to contribute. You may list up to four accounts on Lines A through D.
- Add the amounts on Lines A through D and enter the total in the Total Deposit field.
- Enter that same total on Form MO-1040, Line 52, or Form MO-1040A, Line 17.
- Include Form 5632 with your Missouri Individual Income Tax Return.
The form does not provide a mailing address or e-file directions.
Common mistakes
- Do not request a total deposit of less than $25.
- Do not list more than four accounts. Each account number must have 11 digits.
- Do not leave Form 5632 out of your Missouri Individual Income Tax Return if you are requesting this deposit.
- If your overpayment is adjusted and your requested deposit exceeds your available refund, the Department will cancel the deposit and issue a refund to you.
- If your refund is offset to pay another debt, the Department will cancel the deposit.
Questions people ask
Can I deposit only part of my refund?
Yes. You may deposit all or part of your refund into Missouri MOST 529 Education Plan accounts. The total deposit must be at least $25.
Can I split the deposit among several accounts?
Yes. You may contribute to a maximum of four accounts. Enter the 11-digit account number and contribution amount for each one.
Do I need an account already open?
Yes. You must have an open Missouri MOST 529 Education Plan account administered by the Missouri Education Program.
Where can I get information about MOST 529 accounts?
Visit missourimost.org, call (888) 414-6678, or email most529@missourimost.org.