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Refund Inquiries

Question: What should I do if I’ve entered an incorrect routing or account number?

Answer:

The IRS assumes no responsibility for tax preparer or taxpayer error.  Please, verify your account and routing numbers with your financial institution and double check the accuracy of the numbers you enter on your return prior to signing and submitting your return.

Be very careful entering your account and routing numbers. The IRS will handle account or routing number errors on split refunds the same as for regular direct deposits.

For example, if:

  • You omit a digit in the account or routing number of an account and the number does not pass the IRS's validation check, the IRS will send you a paper check for the entire refund;
  • You incorrectly enter an account or routing number and your designated financial institution rejects and returns the deposit to the IRS, the IRS will issue a paper check for that portion of your refund; or
  • You incorrectly enter an account or routing number that belongs to someone else and your designated financial institution accepts the deposit, you must work directly with the respective financial institution to recover your funds. If you've contacted the financial institution with no results, continue with filing the Form 3911 (PDF), Taxpayer Statement Regarding Refund, as shown in the third "Solution" bullet below.  The IRS will contact your bank on your behalf to attempt to recover your refund. If, however, no funds are available or the bank refuses to return the funds, the IRS cannot compel the bank to do so, and the case may become a civil matter.

Solution

  • If the return has not already posted to our system, you can request for us to stop the direct deposit. You may call the IRS at 800-829-1040, M - F, 7 a.m. - 7 p.m.
  • Generally, if the financial institution recovers the funds and returns them to the IRS, the IRS will send a paper check for that refund out to your last known address on file with the IRS.
  • After two weeks have passed from this action by the financial institution with no results, file Form 3911, Taxpayer Statement Regarding Refund.

Category: IRS Procedures
Subcategory: Refund Inquiries

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The OMB number for this study is 1545-1432.
If you have any comments regarding this study, please write to:
IRS, Tax Products Coordinating Committee
SE:W:CAR:MP:T:T:SP
1111 Constitution Avenue NW
Washington, DC 20224