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What Happens if Your Bank Rejected Tax Refund?

Learn what happens to your tax refund when the bank rejects the direct deposit, possibly because the wrong account number was entered.

tax refund

Direct deposit is the fastest way to get your tax refund but it can turn into a headache if the IRS has the wrong information on file.

MyBankTracker breaks down what to do if your refund has gotten lost in the shuffle because of a direct deposit error.

April 15th is right around the corner and if your tax refund is late in arriving, the problem could lie with your bank account.

Entering the wrong routing or account number could significantly delay your refund or prevent it from reaching you at all.

What happens to your refund when you make a mistake with your bank account information really depends on the kind of error involved, and there are a few different ways it can play out.

Quick answer: Contact the IRS immediately and/or the bank that received your tax refund. If everything gets sorted out smoothly, you should expect a paper check in the mail instead of a direct deposit of your tax refund.

Consequences of entering the wrong direct deposit information

Once you submit your return with a refund due, the IRS will perform a validation check on the bank information you provide.

This just verifies that the numbers are complete, not whether they're accurate.

If you leave a number off, either on your account or routing number, you'd fail the validation check. In that scenario, the IRS would send you a paper check instead, which can take anywhere from six to eight weeks to be delivered.

If you enter the right amount of numbers but the digits themselves are incorrect, getting your refund back may be a little trickier.

Because you'd still be able to pass the validation check, the IRS would give the green light to release your refund to the bank. At this point, it would be up to the bank to decide what to do with the money.

The bank has the option of rejecting the deposit or accepting it. If it's rejected because the account information doesn't match the name on the check, it'll bounce back to the IRS.

Once the payment is returned, a paper check will be issued in its place. If the deposit is accepted, your refund will be deposited into whatever account is listed on your return.

Tip:  If a paper check is issued, it'll be sent to the last address the IRS has on file. If you've moved since filing your taxes, you'll need to fill out a change of address with the Post Office to make sure it's forwarded properly.

Check your refund status

The IRS Where's My Refund? tool updates the status of your return every 24 hours and it allows you to track your refund prior to once your return is received.

If your return hasn't posted to the processing system yet, you can ask the IRS to stop your direct deposit by calling 1-800-829-1040.

Keep in mind that you won't be able to change the information you've already entered so you'll have to get a paper check.

When a lawsuit seems likely, you'll need to have detailed documentation of all your communications with the IRS and the bank concerning the error.

This includes copies of your return showing the direct deposit information, a copy of Form 3911 and anything you receive from the bank regarding the deposit.

The more evidence you have to show that the money was deposited in error, the better the odds of being able to win your case.

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Ask a Question

sheree_robinson
Wednesday, 23 Jun 2021 3:29 PM
<p>It's been 3 months I still haven't got a new date</p>
samiracunningham
Friday, 07 May 2021 2:32 AM
<p>..</p>
disqus_ViJJvccS1k
Monday, 03 May 2021 3:38 PM
<p>My direct deposit was returned to the irs on April 23rd. The irs says it was deposited on the 28th . Can't be possible. What do I do.</p>
Wednesday, 21 Apr 2021 12:49 PM
<p>Hi guys. Im from South Africa, I worked in the US and now I have received a tax refund check. my local bank denied my application to cash the check. My question is, Can I call IRS and request them to cancel the check and wire transfer the refund to my new trans wire account?</p>
Monday, 12 Apr 2021 4:24 PM
<p>I did my taxes on feb 12th the bank rejected the taxes march 3rd because I put it on my bfs bank account because I didnt have one I asked the lady she said I can do it little did I know because my name is not on his account they rejected it they said they will send it back to the irs and they will mail it out its now april 12th and I havent recieved it ? How long is it gunna take anyone else going through this problem ?</p>
latoyamoniquechiles
Friday, 09 Apr 2021 12:35 AM
<p>How long before u receive paper check after bank rejects it???</p>
whitneylojero
Thursday, 25 Mar 2021 8:29 AM
<p>I just wanted to correct something, I work for USPS and treasury checks are NOT allowed to be forwarded, even with a change of address. You have to change your address with the IRS.</p>
Tuesday, 23 Mar 2021 8:46 PM
<p>Irs said they deposited my refund an my stimulas into my bank on March 10 but nothing has showed up yet</p>
baddbaby
Monday, 22 Mar 2021 5:42 PM
<p>That's what I wanna know</p>
Friday, 19 Mar 2021 10:56 PM
<p>What do I do if my bank gave me my stimulus money then. With in 24 hrs my account was over drawn 4000 dollars because my bank rejected my stimulus. I don't know what to do to get my bank out of the negative?</p>
Friday, 19 Mar 2021 1:50 PM
<p>My direct deposit was rejected for no reason, they say it was not made out under the name on the account but it was in my name and they had accepted all the deposits made before this one all in the same name!!! Can I try to hold them responsible for all my Bill's that were supposed to be paid from that deposit that will not go through now?? What can I say to them so they may take my situation more seriously!!<br>Smylinggrniz@gmail.com</p>
disqus_lBtRRcbYHB
Monday, 15 Mar 2021 4:20 AM
<p>Well, last stimulus they sent to my account with the last two numbers transposed. I finally got that check a couple weeks ago after I claimed it on my taxes this year. Now, I look yo "Where's my payment" and the same last two numbers are transposed again! My social security always is direct deposited properly...</p>
Saturday, 13 Mar 2021 6:35 PM
<p>I have the right bank info but because its my soon to be husbands account the bank won't post my check they want to send it back to the irs what can I do to fix this so I don't have to wait for my refund even longer then I have already the bank says they are waiting for the check to settle how can they do that doesn't that mean the check would deposit into the account can someone tell me please help I don't understand how they have to wait for the check to settle before they send it back my check is in the processing stage in the bank before it posts</p>
asyatucker
Saturday, 06 Mar 2021 4:54 PM
<p>I would like to know too</p>
james_slagle
Tuesday, 16 Feb 2021 3:20 PM
<p>The IRS last year, on Jan. 28th 2020 Irs sent my federal tax check to my direct deposit. It never went on my card. I called the bank to find out why. They said something about social security number entered wrong. Well they said they have to wait exactly 12 weeks before they send it back to the IRS. Strange thing is, I didn't change nothing, but I got my first stimulus payment and my state, same info, I changed nothing at all, cause it's too late to change it. I got both the first stimulus check, and my state. So, Turbo Tax, took thier part out before they sent it back to the IRS. I contacted the IRS, they said they have to investigate, why it was sent back to them. They told me to wait 8 more weeks. I did. I called them, they said the investigation was over that same week, they told me they have to investigate, why it got sent back to them. Seriously they said wait 6 more weeks. I can't really remember now. They just kept making me wait. They said after that long, each time they roof me to wait, I should receive a letter or check. I never got anything from the IRS, for my federal. I told them, there is no reason they should have sent it back. They said social entered wrong. I said, but how did I get my stimulus and my state, if my social was wrong? Couldn't answer me. They just said they are sending a refurral for the IRS to release my check. They told me wait 60 more days, it was late October by this time. 60 days past, and I still never got a letter or check. I called the local office this time, they said they see I got in contact with the IRS, but they never released my check. They said they didn't take the hold off it. Okay I was told, she sent a refurral out again, this time it's the local office that sent out the refurral, for the IRS, to release my check. She said wait 60 days. I said really. I was told wait over and over again last year, now I'm told wait 60 days again. It will be, March 29th 2021, by that time. Because this happened. I don't know if my bank will do it again. I'm set up to get this year's taxes. Crazy thing is, if they don't send it back to the IRS, this time. I'll be getting this year's tax check, before I get last year's federal tax check. Its possible I'll get this year's state tax refund before I get last year's federal tax return. Crazy thing, that I got my stimulus check, and my last year state tax check, without changing any information.</p>
disqus_xN4pfdiWD1
Saturday, 02 Jan 2021 12:46 AM
<p>I filed my taxes for 2019at hr block I got an emerald card but its been almost a full year and still I have found absolutely nothing out about where it went or what happened to it</p>
disqus_OrTyjGFtfJ
Tuesday, 07 Jul 2020 5:11 AM
<p>This is what I'm going through... I requested to be paid via Direct Deposit, all my information was correct and the transaction can be seen on my account. The bank calls me for information to verify the amount and the payor - ok- provided then they call for a copy of my w2.. All of this leads to we're rejecting your transaction but first we need you to write a Statement to acknowledge our rejection. Can they do that?</p>
disqus_6c8F8XW3o9
Saturday, 13 Jun 2020 9:21 AM
<p>? Did u get your check</p>
disqus_iCf2IOsAzn
Friday, 12 Jun 2020 9:06 PM
<p>How long does it take for a paper check to come if my bank sent it back?</p>
rene_kinsey
Friday, 01 May 2020 5:14 AM
<p>My bank rejected my refund? When will the send the check out after it got rejected? It got rejected on the 27th</p>
sarahcuevas
Saturday, 18 Apr 2020 2:32 AM
<p>I'm going through the same issue,mine also still shows as direct deposit instead of paper check and my bank also rejected my refund. Did you ever get your paper check? And did the website always say deposit or does it eventually say paper check was mailed. Thank you in advance</p>
Wednesday, 25 Mar 2020 4:48 PM
<p>Republic bank (my bank) rejected my refund on march 19, 2020 after IRS sent it electronically. I made the mistake and used my checking acct number (correct number) but selected saving. I am unable to reach IRS to get it fixed. What do I do to fix it?</p>
MyBankTracker
Wednesday, 11 Mar 2020 3:20 AM
<p>More likely than not, there should be not big difference if you put "checking" or "savings" as long as the routing and account numbers are accurate.</p>
disqus_9h5FciFvIf
Tuesday, 10 Mar 2020 9:58 PM
<p>I put in the correct routing and correctl account number however I put checking when I meant to put savings because I don't have a checking account on this account only savings. Will I still get my refund to my savings instead?</p>
parisloverj
Wednesday, 04 Mar 2020 10:47 AM
<p>How long until you got your paper check in mail</p>
disqus_jFNM2DpyVe
Tuesday, 03 Mar 2020 6:06 PM
<p>Have you received you check from the irs yet? I did kind the same thing except I accidentally sent mine to a closed account luckily with the same bank so the sent it back to the irs the same day the got it. I'm just trying to figure out how long I'll have to wait on check. Turbo tax, who I used to file my taxes said I should have it in the mail in a week, 2 weeks tops. Just wanted to see how it was going for someone else that's kind in the same boat.</p>
disqus_jFNM2DpyVe
Tuesday, 03 Mar 2020 6:01 PM
<p>I'm with my same bank but closed and account and have been using my other account I have with this bank. Anyway I e-filed my taxes like always and submitted them to the irs for direct deposit, but I put I didn't double check the account number and my refund went to my closed account. I realized this the day after it was scheduled to be in my bank(02/27/2020). I called the bank and they were going to reroute it to the correct account but it was too late and sent back the IRS the same day (02/27/2020). 1)How can I find out if the IRS has gotten it back? (cause it still just says sent on the IRS WMR app)<br>2)How long after the IRS gets it back should I receive a check in the mail.</p>
Saturday, 29 Feb 2020 11:31 AM
<p>How long does it take for a paper check to come if my bank sent it back?</p>
Wednesday, 26 Feb 2020 10:48 PM
<p>Yes same thing happen to me! One number was one missed account! Tax refund today! So Bank will be back tax refund to IRS! How long I get the check refund? I just first time! I want fast 7-10 days than long like 1-6 week or later</p>
disqus_RjoBtOPJPq
Wednesday, 26 Feb 2020 5:36 AM
<p>How long did take get a paper check mail out</p>
disqus_RjoBtOPJPq
Wednesday, 26 Feb 2020 5:34 AM
<p>How long did take u get your check in mail?</p>
disqus_RjoBtOPJPq
Tuesday, 25 Feb 2020 8:36 PM
<p>And it was rejected on February 24,2020</p>
disqus_RjoBtOPJPq
Tuesday, 25 Feb 2020 8:31 PM
<p>Can tell me how long take the IRS receive your deposit back after your bank request it. And how long will take for them mail a check out</p>
Tuesday, 18 Feb 2020 2:47 PM
<p>How long did it take for the check to be sent</p>
disqus_DFhWsno7aI
Wednesday, 12 Feb 2020 10:31 PM
<p>Thats what is happening to me. Every year my husband files hid taxes and direct deposit into my account. I kept my maiden name. So even though i sent them the proof we needed for them to deposit into my account. They just returned the refund. I just got the email 20 mins ago. Im not sure what to do next. Do i have to call IRS? Or will they just send the check to our home?</p>
Friday, 31 Jan 2020 6:48 PM
<p>How soon did you get your paper check? I just did this a few days ago.</p>
Friday, 01 Nov 2019 6:47 PM
<p>My bank changed our acct numbers which is different from the irs info for direct deposit, and I still have an savings account with them the checking has closed according to my credit union, how long does it take a bank to reject the deposit since the account numbers will be different, and how long does it takes to get a check from irs</p>
Saturday, 22 Jun 2019 7:26 AM
<p>My bank rejected my check now it’s being mailed . Ok now my status says refund approved and supposed to be mail last time I spoke with someone, but in the system says it’s been deposited again .. does it supposed to say that?</p>
MyBankTracker
Tuesday, 21 May 2019 5:18 PM
<p>Sorry, can you clarify the question? It sounds odd that the bank would ask you for your bank information to process a tax refund -- your bank information should have been provided when filing your tax return.</p><p>If you hear from someone claiming to be your bank asking for information to collect a tax refund, it may be part of a scam to steal your information and refund.</p>
MyBankTracker
Tuesday, 21 May 2019 4:30 PM
<p>There may not be much that you can do and let the IRS and Bank of America investigate where the refund went.</p>
Monday, 13 May 2019 5:35 PM
<p>My financial institution is requesting me to fill out a funds transfer to allow the IRS to deposit into my acct</p>
Monday, 13 May 2019 5:34 PM
<p>IRS refund send to my financial institution. My financial institution is requesting the incoming bank account name to set up funds transfer which will allow the IRS to deposit into my acct</p>
bruceweltz
Monday, 13 May 2019 9:51 AM
<p>I entered the correct bank info on my return but it never got deposited into my account which I don't see how is possible. Now the IRS says BofA has 90 days to respond. Where is my money.</p>
maheshagouli
Wednesday, 13 Mar 2019 6:13 PM
<p>Hi,<br>My Tax preparer entered somebody else's account infomation while filing my tax. The refunds are deposited to his account. Fortunately, he spoke with this bank and they reversed it back to IRS. Now, i am not sure on what are next steps for me. Does IRS sends back paper check in this case ? or should i get in contact with IRS and request them for Paper check ?</p>
disqus_xvE93tf0QM
Thursday, 31 May 2018 2:38 PM
<p>Have you received your refund yet? My boyfriends was sent back for the same reason. His was returned on Feb. 18th. Today is May 31st and still no check. We have a tax advocate that is trying to get them to release it sooner by issuing a financial hardship form that IRS approved. Then they asked for him to verify identity, and now they are reviewing his return. 3 1/2 months later and still no check or even change on the Where's refund site.</p>
disqus_xvE93tf0QM
Thursday, 31 May 2018 2:33 PM
<p>We had the same problem. My boyfriend and I didn't have a checking account so we used GreenDot for direct deposit. My boyfriends name was not listed on my GreenDot account so I received mine and his was returned to the IRS. GreenDot returned on Feb. 18th. The IRS makes you wait a standard 10 weeks after its returned, but not from the date it was sent back. They make you wait 10 weeks from the date the IRS issues a letter to you stating that it was returned. Of course the letter wasn't issued until March 19th. A month latter. Then you have to wait a total of 4 to 6 weeks for them to issue a check. After researching the web about this, we found out the best thing to do is contact a tax advocate asap. If your income is low they will issue a financial hardship form to the IRS. I only wish we would have contacted an advocate sooner. After our hardship form was approved, they then asked him to verify his identity, which the advocate does for you. Why didn't the IRS ask for this back in Feb or March?? Who knows. He now has received a letter stating that his tax return is being reviewed. This is apparently the last step. Today is May 31st. The ten weeks was up on May 21st. The advocate said he should receive his check by June 7th. Fingers crossed. Best thing to do is contact an advocate immediately if you are eligible for a financial hardship. Good Luck, we are still waiting on six thousand dollars three months later.</p>
ladiamondrobinson
Sunday, 13 May 2018 2:41 AM
<p>I filed on February 4th 2018... the way the tax preparer has it setup is the money goes to there bank then they direct deposit in my bank but since my refund was over 10,000 dollars my bank rejected keep in mind my bank said they never received a fund to even reject so the tax preparer bank got the money back as they say and the claim to sent my refund back to the irs on march 28th but the irs has yet to receive it back, so i had a trace put out on it which is 90days which will be up on june 6, but the irs says they should have been received the money long time ago.. sounds like fraud to me</p>
Monday, 30 Apr 2018 6:08 PM
<p>HOW LONG DID IT TAKE</p>
disqus_l2w4xRjtib
Monday, 26 Mar 2018 7:12 PM
<p>The person who did my taxes has blocked me from contact, refused to return my documents, and had my refund sent to a federal credit union in someone else's account without my consent. Unfortunately the bank (Langley Credit Union) did not reject the deposit and allowed the account owner to withdraw my refund in cash. I have already contacted the IRS, police department, and the bank, and have yet to be assured that i will have my refund recovered. What steps should I take next?</p>
Monday, 19 Mar 2018 4:56 PM
<p>if you sent direct deposit and the name doesnt match it takes by what they told me another 10 weeks to get it so it can be reviewed because banks are marking them suspicious. Thats if and only if your name on the return doesnt match the bank account.</p>
Friday, 23 Feb 2018 9:15 PM
<p>I'm in the same boat .. refund was sent yesterday &amp; returned (Thanks Green Dot) . Automated system says 2 days to return to irs . 1800# is no help .. <br>Waiting on a paper check hopefully next week !</p>
tarabasslerbaldridge
Friday, 23 Feb 2018 1:44 PM
<p>Oh that s***s. I have a car that is ready to fall apart. I am a single mom and depend on that check for 100% of my boys clothes and shoes for the year.</p>
tarabasslerbaldridge
Friday, 23 Feb 2018 1:44 PM
<p>I did the same thing. I do not have a checking acct. Last year I my return when into my mom's bank acct. This year I did the same thing but the wonderful bank sent it back. I was supposed to get my money yesterday and just confirmed with the bank that it was rejected yesterday. Now I wait for a paper check and pray it will not take forever.</p>
disqus_09pLREAj2V
Tuesday, 11 Apr 2017 3:37 AM
<p>I'm having a similar issue currently with my refund check. Could I ask you how long it took from when your initial check was returned from the bank, back to the IRS and then how long it took for them to issue you a new check in the mail? When I asked they said it's going to take another 6 weeks! So I'm curious, how long has it been since your check was returned to them mailing you a new one?</p><p>I hope you respond!!!:) Thanks so much!</p>
Thursday, 09 Mar 2017 8:26 PM
<p>So my refund was supposed to be deposited into different bank account.but the bank rejected it send it back to the irs.and now they mailed out my refund on the 6th (monday. when the irs app says its going to be mailed out)so when should i receive my check in the mail?</p>
tatianapuello
Saturday, 04 Mar 2017 6:18 PM
<p>I have tracked my refunds on the IRS2GO app and it shows my refund was deposited on the 23 of February. I never received my refunds. I went to my prepayer and now she tell me her system is down and she cant check either she put in my correct account and routing number. I also called my bank and they verified for me there was never an transaction on that date. Can anyone please give me an suggestions on what to do next? </p>
MyBankTracker
Wednesday, 01 Mar 2017 5:08 PM
<p>If the account number for direct deposit doesn't exist, it will get rejected. The IRS will know and they'll issue a paper refund check instead to the address printed on your tax return.</p><p>If the account number happens to be a valid account number and is accepted by your bank, you have to contact your bank to have the money return to the IRS. The IRS will know and issued a paper refund check.</p><p>You can call the IRS at: 800-829-1040 for more information on your situation.</p>
Wednesday, 01 Mar 2017 4:06 AM
<p>same thing happened to me. one number was wrong. account didn't exist. someone I know did the same thing last year and she said she got her paper check 7-10 days later. fingers crossed its sooner than later. I don't want to have to wait 6-8 weeks</p>
Tuesday, 28 Feb 2017 1:43 AM
<p>Do you really have to wait that long </p>
GinaEak
Monday, 27 Feb 2017 6:59 PM
<p>Gina<br>I filed my taxes and it was sent to my bank for direct deposit on 23rd of Feb. The tax person that prepared my taxes put the right routing# and the correct account #, but she added on my driver license number to the account number. So my refund didn't go into my account. What will the bank do with my refund?</p>
Monday, 27 Feb 2017 6:18 PM
<p>I entered 1 incorrect number on my bank account #. I've talked with my bank. They told me that the account # I provided doesn't exsist. So when will my return get sent back to the irs &amp; can I find out when the bank rejects it? On the irs website it says it was sent to my account on the 23th of feb</p>
melodytealday
Thursday, 23 Feb 2017 9:34 PM
<p>Wow....Can the IRS and banks make it anymore difficult to get your money!! My nephew filed his return and then wanted it deposited to my account and me his aunt would then give him his money!! No he's not on my account so the bank now is going to return it to the IRS.....Smh!! He doesn't have his own account!! Please for the love of God can someone help us??</p>
SimonMBT
Tuesday, 31 May 2016 6:40 PM
<p>Maria, it will likely take 4-6 weeks (after the IRS learns for the rejected deposit) for the check to get to you in the mail.</p>
disqus_H3MCX6ddg3
Saturday, 21 May 2016 5:32 AM
<p>What can i expect if Bank of America rejected my Tax Refund because of a wrong account number.. It was suppose to hit my account on the 11th but Bank of America rejected it and sent it back to IRS on the 12th.. How long till IRS send the paper check to me? Will it take several weeks? Since Bank of America rejected it right away the next day, how soon can i expect my check in the mail? </p>

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