The above credit(s) will be either applied to any balance on your account or refunded to you. Should you be due a refund, it will be processed within three days after the credit is posted and you will receive an email notifying you that this is in process. Please note that any refund will be issued in the form of a direct deposit within three to five business days if you have enabled direct deposit in SSOL. If you have not set up direct deposit, you may do so by following instructions found under direct deposit in SSOL. Otherwise, you will receive any refund by check within seven to ten business days, mailed to the US address provided in the “local address” field in SSOL. Your refund can not be paid until you have set up direct deposit or have a valid US local address in SSOL.