Understanding your CP53E notice

What this notice is about

A recent Executive Order 14247 led to changes in the direct deposit options you now have available. The new direct deposit change will allow individual taxpayers to provide us with a new or updated bank account to receive their tax refund via direct deposit if certain conditions are met.

What you need to do

When you receive the CP53E notice you have 30 days to update or add a new bank account.

Steps to complete:

1. Access or establish your online account by visiting your account to add or update your bank account information.
2. Upon successfully completing the process, allow 2-5 days for your refund information to update online, use the Where’s My Refund tool to check your refund status.
3. If you encounter any systemic issues that prevent you from updating your bank account information, read the message carefully and try again later.

Note: When your refund is issued, it may be subject to offset if you have other outstanding liabilities.

Frequently asked questions

Why do I need to provide a bank account for a direct deposit? (added Jan. 21, 2026)

Executive Order 14247, mandates the transition to electronic payments for all Federal disbursements, including tax refunds, except under certain circumstances. Refer to IRS.gov/modernpayments for more information.

How will I know if my bank account was updated successfully? (added Jan. 21, 2026)

You will receive a message indicating your bank account update was successful. If there are any issues with your changes, you will receive an error message. Read all messages carefully and follow any instructions given promptly.

Can I update my bank account if I call in to the toll-free line? (added Jan. 21, 2026)

No, you can only update your bank account by accessing your online account. IRS employees cannot update bank account information. You must access your online account within 30 days from the date of the CP53E notice in order to receive your refund via direct deposit.

What if I added or updated my bank account information, but made a mistake, can I correct it? (added Jan. 21, 2026)

No, you will only have one opportunity to add or update your bank account using your online account. If your direct deposit is not accepted by the bank and is rejected, we will issue a paper check.

What if I don’t have a direct deposit account, how will I get my refund? (added Jan. 21, 2026)

You may access your online account or contact the customer service toll-free number for more information. Visit IRS.gov/modernpayments for more on direct deposit options.

What if I did not respond to the CP53E? (added Jan. 21, 2026)

If you don’t respond to the notice, we will issue a paper check after 6 weeks. For updates on your refund status, visit Where’s My Refund.