diff --git a/app/controllers/state_file/questions/md_tax_refund_controller.rb b/app/controllers/state_file/questions/md_tax_refund_controller.rb
new file mode 100644
index 00000000000..da19c4ba8d0
--- /dev/null
+++ b/app/controllers/state_file/questions/md_tax_refund_controller.rb
@@ -0,0 +1,20 @@
+module StateFile
+  module Questions
+    class MdTaxRefundController < QuestionsController
+      def self.show?(intake)
+        # intake.calculated_refund_or_owed_amount.positive?
+        true
+      end
+
+      def refund_amount
+        current_intake.calculated_refund_or_owed_amount
+      end
+      helper_method :refund_amount
+
+
+      private
+
+      def card_postscript; end
+    end
+  end
+end
diff --git a/app/controllers/state_file/questions/taxes_owed_controller.rb b/app/controllers/state_file/questions/taxes_owed_controller.rb
index 1bd37130026..abf74171716 100644
--- a/app/controllers/state_file/questions/taxes_owed_controller.rb
+++ b/app/controllers/state_file/questions/taxes_owed_controller.rb
@@ -2,7 +2,8 @@ module StateFile
   module Questions
     class TaxesOwedController < QuestionsController
       def self.show?(intake)
-        intake.calculated_refund_or_owed_amount.negative? # what happens if zero?
+        true
+        # intake.calculated_refund_or_owed_amount.negative? # what happens if zero?
       end
 
       def taxes_owed
diff --git a/app/lib/navigation/state_file_md_question_navigation.rb b/app/lib/navigation/state_file_md_question_navigation.rb
index 910a4bdad42..bb9c4681116 100644
--- a/app/lib/navigation/state_file_md_question_navigation.rb
+++ b/app/lib/navigation/state_file_md_question_navigation.rb
@@ -33,7 +33,7 @@ class StateFileMdQuestionNavigation < Navigation::StateFileBaseQuestionNavigatio
         Navigation::NavigationStep.new(StateFile::Questions::UnemploymentController),
         Navigation::NavigationStep.new(StateFile::Questions::MdReviewController),
         Navigation::NavigationStep.new(StateFile::Questions::TaxesOwedController),
-        Navigation::NavigationStep.new(StateFile::Questions::TaxRefundController),
+        Navigation::NavigationStep.new(StateFile::Questions::MdTaxRefundController),
         Navigation::NavigationStep.new(StateFile::Questions::EsignDeclarationController), # creates EfileSubmission and transitions to preparing
       ]),
       Navigation::NavigationSection.new("state_file.navigation.section_6", [
diff --git a/app/models/state_file_id_intake.rb b/app/models/state_file_id_intake.rb
index 02a94a048a3..59c6e3690d7 100644
--- a/app/models/state_file_id_intake.rb
+++ b/app/models/state_file_id_intake.rb
@@ -20,6 +20,7 @@
 #  email_address_verified_at               :datetime
 #  failed_attempts                         :integer          default(0), not null
 #  federal_return_status                   :string
+#  has_unpaid_sales_use_tax                :integer          default("unfilled"), not null
 #  hashed_ssn                              :string
 #  last_sign_in_at                         :datetime
 #  last_sign_in_ip                         :inet
@@ -49,12 +50,19 @@
 #  spouse_last_name                        :string
 #  spouse_middle_initial                   :string
 #  spouse_suffix                           :string
+#  total_purchase_amount                   :decimal(12, 2)
 #  unsubscribed_from_email                 :boolean          default(FALSE), not null
 #  withdraw_amount                         :integer
 #  created_at                              :datetime         not null
 #  updated_at                              :datetime         not null
 #  federal_submission_id                   :string
 #  visitor_id                              :string
+#
+# Indexes
+#
+#  index_state_file_id_intakes_on_email_address  (email_address)
+#  index_state_file_id_intakes_on_hashed_ssn     (hashed_ssn)
+#
 
 # Indexes
 #
diff --git a/app/views/state_file/questions/md_tax_refund/_md_bank_details.html.erb b/app/views/state_file/questions/md_tax_refund/_md_bank_details.html.erb
new file mode 100644
index 00000000000..ec3f97f3ea3
--- /dev/null
+++ b/app/views/state_file/questions/md_tax_refund/_md_bank_details.html.erb
@@ -0,0 +1,50 @@
+<div class="white-group">
+  <p class="spacing-below-0"><%= t(".bank_title") %></p>
+  <p class="text--small"><%= t(".foreign_accounts") %></p>
+  <div class="form-group-tight">
+    <% if owe_taxes %>
+      <%= form.hidden_field :app_time, value: app_time %>
+      <%= form.vita_min_money_field(:withdraw_amount, t('.withdraw_amount', owed_amount: taxes_owed), classes: ["form-width--long"]) %>
+      <% if before_withdrawal_date_deadline?(current_state_code) %>
+        <div class="date-select">
+          <% year = MultiTenantService.new(:statefile).current_tax_year + 1 %>
+          <%= form.cfa_date_select(
+                :date_electronic_withdrawal,
+                t(".date_withdraw_text",
+                  withdrawal_deadline_date: I18n.l(withdrawal_date_deadline(current_state_code).to_date, format: :medium, locale: locale),
+                  with_drawal_deadline_year: withdrawal_date_deadline(current_state_code).year),
+                options: {
+                  start_year: year,
+                  end_year: year,
+                }
+              ) %>
+        </div>
+      <% else %>
+        <%= form.hidden_field :post_deadline_withdrawal_date, value: post_deadline_withdrawal_date(current_state_code) %>
+      <% end %>
+    <% end %>
+
+    <%= form.cfa_input_field(:bank_name, t("views.questions.bank_details.bank_name"), classes: ["form-width--long"]) %>
+    <%= form.cfa_radio_set(
+          :account_type,
+          label_text: t("views.questions.bank_details.account_type.label"),
+          collection: [
+            { value: :checking, label: t("views.questions.bank_details.account_type.checking") },
+            { value: :savings, label: t("views.questions.bank_details.account_type.savings") },
+          ]
+        )
+    %>
+    <%= form.cfa_input_field(:routing_number, t(".routing_number"), classes: ["form-width--long", "disablecopy"]) %>
+    <%= form.cfa_input_field(:routing_number_confirmation, t(".confirm_routing_number"), classes: ["form-width--long", "disablepaste", "disablecopy"]) %>
+    <%= form.cfa_input_field(:account_number, t(".account_number"), classes: ["form-width--long", "disablecopy"]) %>
+    <%= form.cfa_input_field(:account_number_confirmation, t(".confirm_account_number"), classes: ["form-width--long", "disablepaste", "disablecopy"]) %>
+  </div>
+  <p><strong><%= t(".disclaimer") %></strong></p>
+  <% if owe_taxes && !before_withdrawal_date_deadline?(current_state_code) %>
+    <p>
+      <%= t(".after_deadline_default_withdrawal_info",
+            withdrawal_deadline_date: I18n.l(withdrawal_date_deadline(current_state_code).to_date, format: :medium, locale: locale),
+            with_drawal_deadline_year: withdrawal_date_deadline(current_state_code).year) %>
+    </p>
+  <% end %>
+</div>
\ No newline at end of file
diff --git a/app/views/state_file/questions/md_tax_refund/edit.html.erb b/app/views/state_file/questions/md_tax_refund/edit.html.erb
new file mode 100644
index 00000000000..bce5a64fc06
--- /dev/null
+++ b/app/views/state_file/questions/md_tax_refund/edit.html.erb
@@ -0,0 +1,36 @@
+<% content_for :page_title, t(".page_title") %>
+
+<% content_for :card do %>
+  <h1 class="h2">
+    <%= t(".title_html", refund_amount: refund_amount, state_name: current_state_name) %>
+  </h1>
+
+  <%= form_with model: @form, url: { action: :update }, method: :put, local: true, builder: VitaMinFormBuilder, html: { class: 'form-card form-card--long' } do |f| %>
+    <div class="question-with-follow-up">
+      <div class="question-with-follow-up__question">
+        <div class="white-group">
+          <%= f.cfa_radio_set(
+                :payment_or_deposit_type,
+                collection: [
+                  { value: :direct_deposit, label: t(".direct_deposit"), input_html: { "data-follow-up": "#deposit-to-bank" } },
+                  { value: :mail, label: t(".mail"), input_html: { "data-follow-up": "#mail-check" } },
+                ]
+              ) %>
+        </div>
+      </div>
+
+      <div class="question-with-follow-up__follow-up" id="deposit-to-bank">
+        <div class="question-with-follow-up">
+          <div class="question-with-follow-up__question">
+            <%= render 'state_file/questions/md_tax_refund/md_bank_details', form: f, owe_taxes: false %>
+          </div>
+        </div>
+      </div>
+      <%= f.continue %>
+    </div>
+  <% end %>
+<% end %>
+
+<% content_for :script do %>
+  <%= render 'shared/disable_copy_paste' %>
+<% end %>
\ No newline at end of file
diff --git a/spec/factories/state_file_id_intakes.rb b/spec/factories/state_file_id_intakes.rb
index bd11c21c6c8..359c103ba63 100644
--- a/spec/factories/state_file_id_intakes.rb
+++ b/spec/factories/state_file_id_intakes.rb
@@ -20,6 +20,7 @@
 #  email_address_verified_at               :datetime
 #  failed_attempts                         :integer          default(0), not null
 #  federal_return_status                   :string
+#  has_unpaid_sales_use_tax                :integer          default("unfilled"), not null
 #  hashed_ssn                              :string
 #  last_sign_in_at                         :datetime
 #  last_sign_in_ip                         :inet
@@ -49,12 +50,14 @@
 #  spouse_last_name                        :string
 #  spouse_middle_initial                   :string
 #  spouse_suffix                           :string
+#  total_purchase_amount                   :decimal(12, 2)
 #  unsubscribed_from_email                 :boolean          default(FALSE), not null
 #  withdraw_amount                         :integer
 #  created_at                              :datetime         not null
 #  updated_at                              :datetime         not null
 #  federal_submission_id                   :string
 #  visitor_id                              :string
+#
 # Indexes
 #
 #  index_state_file_id_intakes_on_email_address  (email_address)
diff --git a/spec/models/state_file_id_intake_spec.rb b/spec/models/state_file_id_intake_spec.rb
index 4e423acda03..7ea706a0608 100644
--- a/spec/models/state_file_id_intake_spec.rb
+++ b/spec/models/state_file_id_intake_spec.rb
@@ -20,6 +20,7 @@
 #  email_address_verified_at               :datetime
 #  failed_attempts                         :integer          default(0), not null
 #  federal_return_status                   :string
+#  has_unpaid_sales_use_tax                :integer          default("unfilled"), not null
 #  hashed_ssn                              :string
 #  last_sign_in_at                         :datetime
 #  last_sign_in_ip                         :inet
@@ -49,12 +50,14 @@
 #  spouse_last_name                        :string
 #  spouse_middle_initial                   :string
 #  spouse_suffix                           :string
+#  total_purchase_amount                   :decimal(12, 2)
 #  unsubscribed_from_email                 :boolean          default(FALSE), not null
 #  withdraw_amount                         :integer
 #  created_at                              :datetime         not null
 #  updated_at                              :datetime         not null
 #  federal_submission_id                   :string
 #  visitor_id                              :string
+#
 # Indexes
 #
 #  index_state_file_id_intakes_on_email_address  (email_address)