What are the 2 ways you can receive your refund money?

You have several options for receiving your federal individual income tax refund:

Direct Deposit: The fastest way is by direct deposit into your checking or savings account, including an individual retirement arrangement (IRA). ...
TreasuryDirect®: Deposit into a TreasuryDirect® online account to buy savings bonds.

Why is my refund so low?

If you owe money to a federal or state agency, the federal government may use part or all of your federal tax refund to repay the debt. This is called a tax refund offset. If your tax refund is lower than you calculated, it may be due to a tax refund offset for an unpaid debt such as child support.