How to Add Your Bank Account to the IRS Website

You can add a bank account to your IRS online account through the IRS website itself, not through a separate form

The IRS does not require you to add your bank account information to create or use an online account at IRS.gov. However, if you want the IRS to deposit a refund directly to your bank account instead of mailing a check, you will need to provide those details either when you file your tax return or through your IRS online account after you have filed.

The process differs depending on whether you are setting up direct deposit before filing or updating your account information after filing. Both routes use the same IRS.gov login system, but the steps and timing are different.

Key Takeaways

You do not need a bank account to create an IRS online account, but you do need one if you want the IRS to deposit your refund directly.
The easiest time to provide bank details is when you file your tax return, either through tax software or a tax professional.
If you file without providing bank details, you can add your account information to your IRS online account after filing and before the refund is processed.
You will need your routing number and account number, which appear on the bottom left of your checks or can be obtained from your bank.
Changes to bank account information take effect only for future refunds, not refunds already in process.

Adding bank details when you file your tax return

If you file your taxes yourself using tax software (such as TurboTax, H&R Block, or TaxAct), the software will prompt you to enter direct deposit information as part of the filing process. This is the most straightforward route because the bank details go directly into your return before it reaches the IRS.

You will need your bank's routing number and your account number. The routing number is a nine-digit code that identifies your specific bank branch. Your account number is the number assigned to your individual account. Both appear on the bottom left of your checks, in the order: routing number first, then account number. If you do not have checks, call your bank or log into your online banking portal to find these numbers.

When you file through a tax professional or tax preparation service, they will ask for this information as part of intake. Provide it then, and it will be included in your return.

Adding or updating bank information after you have filed

If you filed your return without providing bank account details, or if you need to change the account where your refund will be deposited, you can update this information through your IRS online account. Go to IRS.gov and select "Sign in to your account" in the upper right corner.

You will need to verify your identity using one of these methods: an existing IRS online account login (username and password), a Social Security number and other personal details, or a mobile phone number associated with your account. The IRS will send a code to your phone or email to confirm your identity.

Once you are logged in, look for a section labeled "Refund Status" or "Where's My Refund?" From there, you should see an option to view or update your refund information. Select the option to add or change your bank account details. Enter your routing number and account number, then confirm the information is correct before submitting.

What information you need from your bank

Before you log in to add your bank account, gather these two pieces of information from your bank:

Routing number: A nine-digit code identifying your bank or credit union branch. Find it on the bottom left of your checks, or call your bank's customer service line and ask for your ABA routing number.
Account number: The number assigned to your specific checking or savings account. This also appears on your checks, or you can find it in your online banking portal or by calling your bank.

Make sure you have the correct account type selected (checking or savings). The IRS will ask you to confirm this. If you provide the wrong account type, the deposit may be rejected by your bank.

Timing: when changes take effect and how long refunds take

If you add or update your bank account information before the IRS has processed your refund, the new account will be used for that refund. Once the IRS has begun processing your return, changes to your bank account information will not affect the current refund—they will explore only to future refunds.

You can check the status of your refund using the "Where's My Refund?" tool on IRS.gov. This tool updates once per day and will tell you whether your refund has been accepted, is being processed, or has been sent. Refunds typically take 21 days from the date the IRS accepts your return, though some take longer depending on the complexity of your return and current IRS processing volume.

If you add your bank account information after the IRS has already sent your refund to a previous account or address, that refund cannot be redirected. You will need to wait for the check to arrive or contact the IRS if the check is lost.

What to do if you do not have a bank account

If you do not have a bank account, you have two options: request that the IRS mail you a check, or open a bank account before filing. Many banks and credit unions offer free checking accounts with no minimum balance, and some offer accounts specifically designed for people new to banking.

If you choose to have the IRS mail a check, do not enter any bank account information when you file. The IRS will mail your refund to the address on your return. Mailed refunds typically arrive within three to four weeks after the IRS processes your return, though delivery times vary by location.

Frequently Asked Questions

Can I add my bank account information to the IRS website without filing a tax return?

No. Bank account information is only used by the IRS to deposit refunds. If you do not file a tax return, there is no refund to deposit, so there is no reason to add bank details to your IRS account. You only need to provide this information when you file.

What happens if I enter the wrong routing or account number?

If the routing number or account number is incorrect, your bank will reject the deposit and return it to the IRS. The IRS will then mail you a check instead, which delays your refund by several weeks. Double-check both numbers before submitting. If you realize the error after filing, contact the IRS at 1-800-829-1040 to see if the refund has already been sent.

Can I change my bank account after I have already filed?

Yes, but only if the IRS has not yet processed your refund. Log into your IRS account and update your bank information in the refund status section. Once the IRS has begun processing, changes will not affect the current refund. You can update your account for future refunds at any time.

Do I need to add my bank account to file my taxes?

No. You can file your taxes without providing any bank account information. If you do not provide bank details, the IRS will mail your refund as a check to the address on your return. Direct deposit is optional and only speeds up the refund process.

Is it safe to give the IRS my bank account number?

Yes. The IRS website uses encryption to protect your information, and the IRS only uses your bank details to deposit refunds. Never provide your bank account information to anyone claiming to be from the IRS over the phone or by email, as this is a common scam. Always go directly to IRS.gov yourself to enter this information.

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.