What’s Happening?

When you choose direct deposit, the IRS sends your refund electronically using the routing number and account number you provide on your tax return. Even a single incorrect digit can trigger delays.

Common Issue
Wrong account number
A single typo can break the deposit.
Another Cause
Account changed
New bank since last year? Update it.
Result
Refund delay
Rejection or manual review may occur.
Important: With tax refund fraud increasing, account changes can sometimes trigger extra verification steps designed to protect taxpayers.

Why Bank Account Problems Delay Refunds

  • Incorrect account number: deposit may fail, be rejected, or go to the wrong place.
  • Closed/old account: deposit is returned to the IRS and must be reissued.
  • Changed account info: security systems may flag the return for additional review.
  • Multiple accounts: splitting refunds increases chances of a digit mistake.

How to Prevent Delays

Confirm your routing number

Get it from your bank app, statement, or official bank website—don’t guess.

Double-check your account number

Verify every digit. Common mistakes include missing digits or mixing up numbers.

Make sure the account is active

Confirm the account is open and can accept ACH/direct deposits.

Update your info if you switched banks

Never reuse last year’s details if you changed banks—or changed account types.

Bank Verification Checklist

Use this checklist before filing to help avoid common direct deposit issues.

Routing number is correct Matched to your bank (from your bank app, statement, or official site).
Account number is correct All digits verified, in the right order, no missing or extra numbers.
Account is active and accepts direct deposits Account is open and able to receive ACH deposits.
Information updated if you changed banks New bank since last year? Updated details are entered on this return.
Pro Tip: If you’re unsure, ask your bank to confirm the correct routing and account numbers for direct deposits.

FAQs

What happens if my bank rejects the IRS deposit?

Typically, the rejected funds return to the IRS. The IRS may then reissue your refund (often by mailing a paper check), which can add extra time.

Can a changed bank account trigger extra IRS review?

Sometimes, yes. Because refund fraud exists, certain changes can prompt additional verification. This is meant to protect taxpayers from unauthorized refund transfers.

How can I check the status of my refund?

Use the IRS “Where’s My Refund?” tool to view the latest status updates after your return is processed.

Is direct deposit still the fastest option?

Yes—when the routing and account numbers are correct and the account is active, direct deposit is generally faster than waiting for a mailed check.

Educational content only. This page is not legal or tax advice. For advice specific to your situation, consult a qualified tax professional.