Yes, you can update your bank account with the IRS, and you should do it if your account details have changed

The IRS keeps your bank account information on file so they can deposit tax refunds directly into your account instead of mailing a check. If you've closed that account, switched banks, or opened a new one, you need to tell the IRS before they try to deposit money. The IRS won't automatically know your account has changed — you have to report it yourself.

There are two main ways to update your information: through your tax return when you file, or by contacting the IRS directly if you've already filed. Which method you use depends on whether you're filing a return soon or need to update information right away.

Key Takeaways

  • You can update your bank account on your tax return before you file, or contact the IRS afterward if your information has already changed.
  • The easiest way to update is to enter your current account details when you file your return — the IRS will use that information for any refund.
  • If you've already filed and need to change your account, call the IRS at 800-829-1040 or use the IRS website to request a change.
  • The IRS needs your routing number and account number, both of which you can find on a blank check or by calling your bank.
  • If the IRS tries to deposit into a closed account, the money will be returned and you'll receive a check by mail instead, which takes longer.

Updating your account when you file your tax return

The simplest time to update your bank information is when you're preparing your tax return. Whether you file on paper or electronically, you'll enter your routing number and account number in the section labeled "Refund" or "Direct Deposit." Make sure the account is in your name or a joint account with your spouse if you're filing jointly — the IRS will reject deposits to accounts in other people's names.

If you use tax software or a tax preparer, they'll ask for this information as part of the filing process. Double-check the numbers before you submit — a single digit wrong means the IRS can't deposit your refund. Once your return is accepted, the IRS has your updated account information and will use it for that refund and for any future deposits they need to make to you.

Updating your account after you've already filed

If you've filed your return but your bank account has changed since then, you can still update the IRS. Call the IRS at 800-829-1040 during business hours. Have your Social Security number, filing status, and the exact amount of your refund ready — the IRS will ask for these to confirm your identity before making any changes.

You can also update your information online through the IRS website if you have an IRS online account. Log in, look for the option to update your direct deposit information, and enter your new routing and account numbers. The IRS processes these changes, but it can take several business days for the update to show in their system.

Finding your routing number and account number

Your routing number is a nine-digit code that identifies your specific bank or credit union. Your account number is the number of your checking or savings account at that bank. Both appear on the bottom left of any check you have from that account — the routing number comes first, then your account number.

If you don't have a check, call your bank directly and ask for your routing number and account number. Have your account information ready when you call so the bank can verify you're the account holder. Some banks also display this information in their mobile app or online banking portal under account details or settings.

What happens if you don't update before a deposit attempt

If the IRS tries to deposit money into an account you've closed or given incorrect information for, the deposit will fail. Your bank will reject it and send the money back to the IRS. The IRS will then mail you a check instead, which takes several weeks longer than direct deposit.

Once the check arrives, you can deposit it into your current account like any other check. There's no penalty for a failed deposit — it's straightforward a delay. But updating your information before the IRS attempts the deposit means you get your refund faster.

Updating information for other IRS payments or notices

The bank account you provide to the IRS is used for refunds and for any payments the IRS might send you, such as recovery rebate credits or other tax credits. If you receive IRS notices about money owed, the IRS may also use your account information to collect payments through electronic withdrawal, though they'll send you a notice first explaining this.

If you want to change your account information specifically for payments you're making to the IRS (rather than refunds coming to you), that's a different process. You'll enter payment account details when you set up an electronic payment through the IRS website or through an approved payment processor.

Frequently Asked Questions

Can I update my account information if I'm not filing a return this year?

Yes. Call the IRS at 800-829-1040 and provide your Social Security number and current filing information. The IRS will update your account for any future refunds or payments they need to send you. You don't have to be filing a return to make this change.

What if I give the IRS the wrong account number by mistake?

Call the IRS when ready at 800-829-1040 and provide the correct information. If they haven't attempted the deposit yet, they can update it. If the deposit has already failed, your money will be mailed as a check. You can then deposit that check into the correct account.

Do I need to update my account if I'm getting a refund by check instead of direct deposit?

No. If you've chosen to receive your refund by check, the IRS doesn't need your bank account information. You'll receive the check by mail and can deposit it yourself whenever you're ready.

How long does it take for the IRS to process a bank account update?

If you update your information on your tax return before filing, it takes effect when ready once the return is accepted. If you call or update online after filing, it can take several business days for the change to appear in the IRS system. Plan ahead if you know a refund is coming.

Can I update my account information for my spouse if we file jointly?

You can provide a joint account that both of you own. The IRS will deposit the refund into that account. If you want to use an account in only one spouse's name, contact the IRS to discuss your options — they may require both spouses to authorize the change.