; or (B) if the household has 5 or more members, 1⁄12 of the arithmetic mean value of the amounts estimated under paragraph (1) for such fiscal year for households with 5 or more members, rounded to the nearest whole dollar amount. (3) Ensuring deficit neutrality For any fiscal year after calendar year 2018 in which the amounts that are available under section 9512(c) of the Internal Revenue Code of 1986 are not sufficient for purposes of funding the monthly energy refund described in paragraph (2), the Secretary of the Treasury shall direct State agencies to reduce, on a pro rata basis, the amount of such refunds that are provided to eligible households. (e) Delivery mechanism (1) Monthly installments Subject to standards and an implementation schedule set by the Secretary of the Treasury, the energy refund shall be provided in monthly installments via— (A) direct deposit into the eligible household’s designated bank account; (B) the State’s electronic benefit transfer system; or (C) another Federal or State mechanism, if such a mechanism is approved by the Secretary of the Treasury. (2) Standards The standards described under paragraph (1) shall— (A) protect the privacy of energy refund applicants and recipients; (B) provide energy refund recipients with choices, as appropriate, for delivery and receipt of refunds; (C) ensure ease of use and access to refunds, including a prohibition on any fees charged for withdrawals or other related services; (D) protect, in a cost-effective manner, against improper access to energy refunds; (E) ensure interoperability of the Energy Refund Program between States and permit monitoring and investigations by authorized law enforcement agencies