How Do I Find My Checking Account and Routing Number with the IRS?

It is very important that you enter the correct account and routing numbers when requesting your tax refund is directly deposited into your bank account. Failing to enter the right account information could cause delays in you getting your refund. In the event, you entered the wrong information, the bank will send your refund back to the IRS who will send you a paper check to the address you provided.

Adam Goldkamp is the editor / author responsible for this content.
Dec 9, 2022

In this article, you will learn how to find your checking account and routing number with the IRS and more.

What Happens if Your Account or Routing Numbers Are Inaccurate When Requesting Direct Deposit With the IRS?

When you file your tax return, you can add your account and routing numbers to have your return directly deposited into your bank account. If your direct deposit information is inaccurate when filing your taxes, your payment could be delayed.

That's why the IRS recommends you verify that your ACH account and routing numbers shown on lines 25a and 25c are correct before submitting FORM 8038-CP requesting a direct deposit payment. Check with your financial institution to get your ACH account and routing numbers and make sure that direct deposit is accepted.

Your routing numbers will contain nine digits of which the first two will be 01 to 12 or 21 to 32, and your account number will contain up to 17 characters. If your account or routing numbers are inaccurate, your direct deposit request could be rejected. When this happens, the IRS will send you a paper check through the mail to the address shown on Form 8038-CP. If you enter the wrong account or routing numbers, the IRS is not responsible for missing credit payments. If you think you might have provided the wrong account or routing numbers on your documents or have questions, contact the IRS by clicking here.

When the bank receives the direct deposit request, it will first check the name and Social security number, and then the bank account number to verify they match. If your account number is incorrect, the bank will catch the mistake and return your refund back to the IRS. The IRS will issue your refund as a paper check that it will send you through the mail to the address provided on the Form.

How to Find Your Checking Account and Routing Number With the IRS

Look at your tax return. If you filed your taxes electronically, try contacting your tax preparer for a copy of your tax return. Check your computer to see if you have a copy saved on your hard drive. Locate your direct deposit tax refund information to see if you entered the right account information. Check your refund and return paperwork, or you can contact the IRS to find out what numbers they have on file for you. Click here to contact the IRS now. An IRS representative can trace your refund from 72 hours after you filed electronically and four weeks after if filed by mail.

Check the Status of Your Tax Return Online

You can check your tax return status 72 hours after you filed online by going to the IRS website and using the "Where's My Refund" tool. You will need to provide your name, Social Security number, and your exact refund amount.

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Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.
How Do I Find My Checking Account and Routing Number with the IRS?

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