How to Add Your Bank Account to Your IRS Account

Why the IRS needs your bank account information

The IRS uses your bank account details to send you refunds directly, rather than mailing a check. This is called direct deposit. When you add your account to your IRS account online, you're telling the IRS where to send money if you're owed a refund after filing taxes or making payments.

You can add or update your bank account in two main ways: when you file your tax return, or later through your IRS online account. Adding it during filing is the most common route. If you need to change the account after you've already filed, you can update it through the IRS website before the refund is processed.

Key Takeaways

You provide your bank account details when you file your tax return, either through tax software, a tax preparer, or by mail on Form 1040.
If you've already filed and need to change your bank account, you can update it through your IRS online account at IRS.gov before your refund is sent.
You will need your routing number (a nine-digit code for your bank) and your account number to add your account to the IRS.
Direct deposit refunds typically arrive within 21 days of the IRS accepting your return, though it can take longer during busy tax season.
If you don't have a bank account, you can still file taxes and receive a refund by check, or explore getting a bank account through a community bank or credit union.

Adding your account when you file your tax return

The easiest time to add your bank account is when you're filing your taxes. If you use tax software (like TurboTax, H&R Block, or the IRS Free File program), the software will ask for your routing number and account number during the filing process. You enter these numbers in the section labeled "Direct Deposit" or "Refund Method."

If a tax preparer is filing for you, they will ask for your bank details and enter them into the return before submitting it to the IRS. If you're filing by mail using Form 1040, you'll write your routing and account numbers directly on the form in the boxes labeled "Routing number" and "Account number" under the "Refund" section.

The routing number is a nine-digit code that identifies your specific bank or credit union. You can find it on the bottom left of any check, or by calling your bank or visiting their website. Your account number is the number of the specific account where you want the refund sent, usually found on your checks or statements.

Updating your account after you've filed

If you've already filed your return and need to change which bank account receives your refund, you can update it through your IRS online account. Go to IRS.gov and look for the "View Your Account" or "Account Services" link. You'll need to create or sign into your IRS account using your Social Security number and other identifying information.

Once you're logged in, look for an option to view your return status or update your refund information. The exact wording varies, but it will be in a section about your tax return or refund. You can change your bank account details there, but only before the IRS has already processed and sent your refund. Once the refund has been issued, you cannot change the account through the website.

If you've already received a refund to the wrong account, you'll need to contact that bank to see if they can reverse the deposit, or contact the IRS directly at 1-800-829-1040 to report the error.

What information you need to provide

To add your bank account to the IRS, you need two pieces of information: your routing number and your account number.

Your routing number identifies which bank or credit union holds your account. It's always nine digits. You can find it:

On the bottom left corner of any check you have from that account
By calling your bank's customer service number
On your bank's website, usually in the "Customer Service" or "Account Information" section
Using the IRS Routing Number Lookup tool at IRS.gov

Your account number is the specific number of the account where you want the refund sent. It's usually 10 to 12 digits and appears on your checks, statements, or online banking portal. Make sure you're using the correct account number — if you have multiple accounts at the same bank, using the wrong number will send your refund to the wrong place.

How long it takes to receive your refund

Once the IRS accepts your return and you've provided your bank account information, direct deposit refunds typically arrive within 21 days. However, this timeline can be longer during the busy tax season (January through April), when the IRS processes millions of returns. Some refunds take four to six weeks or longer.

You can check the status of your refund at any time by going to IRS.gov and using the "Where's My Refund?" tool. This tool will tell you whether the IRS has received your return, whether it's been accepted, and when your refund is expected to arrive. If your refund is delayed, this tool will usually explain why.

If you don't have a bank account

If you don't currently have a bank account, you have two options for receiving your refund. You can file your tax return and request that the IRS mail you a check instead of using direct deposit. This takes longer — typically four to six weeks or more — but it's a valid way to receive your refund.

Alternatively, you can open a bank account before filing. Many community banks and credit unions offer accounts with low or no minimum balance requirements, and some offer accounts specifically designed for people new to banking. Once you have an account, you can provide those details when you file and receive your refund by direct deposit instead of waiting for a check.

Common mistakes to avoid

The most common mistake is entering the wrong routing number or account number. Double-check both numbers before submitting your return. If you make a mistake, the IRS will send your refund to the wrong account, and you'll have to contact that bank to try to recover it.

Another mistake is providing a savings account number when you meant to provide a checking account number, or vice versa. Make sure you know which type of account you're providing the number for, and that the number matches the account type you specify on your return.

If you're using tax software, don't skip the direct deposit section thinking you can add your account later. It's much easier to add it while filing. If you do skip it and file without providing bank details, you'll have to update your account through your IRS account online, and you can only do that before the refund is processed.

Frequently Asked Questions

Can I change my bank account after I've filed if I haven't received my refund yet?

Yes, if you haven't received your refund yet, you can log into your IRS account online and update your bank details. However, once the IRS has processed and sent your refund, you cannot change the account. Use the "Where's My Refund?" tool to check whether your refund has already been issued.

What happens if I provide the wrong account number?

The IRS will send your refund to the account number you provided, even if it's wrong. Contact that bank when ready to report the error and ask if they can reverse the deposit. You may also need to contact the IRS at 1-800-829-1040 to report the mistake and request a new refund check.

Do I need to update my bank account every year when I file taxes?

No. Once you've provided your bank account information to the IRS, you don't need to provide it again unless you want to change it. However, if you close that account or switch banks, you'll need to update your information before filing your next return.

Can I use a savings account instead of a checking account for my refund?

Yes, you can use either a checking or savings account. When you provide your account number, make sure you specify which type of account it is. The routing number is the same for both types of accounts at the same bank.

How do I find my routing number if I don't have checks?

Call your bank's customer service number, visit your bank's website, or use the IRS Routing Number Lookup tool at IRS.gov. You can also log into your online banking portal — many banks display the routing number in the account information section.

This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.