Yes, you can change the checking account linked to your Irving Rewards account, but the process and timing depend on whether you're changing it before or after a refund has been issued.
Irving Rewards lets you update your bank details through your account settings online or by calling their customer service line. If you haven't received a refund yet, the change takes effect immediately and applies to any future payments. If a refund has already been processed to your old account, you'll need to contact Irving Rewards directly to redirect it — they cannot move money that's already in transit, but they can help you recover it if it lands in an account you no longer control.
The key is timing. Changes made before a refund is issued are straightforward. Changes made after a refund has been sent require intervention and can add days or weeks to when you actually receive your money.
Key Takeaways
- You can change your linked checking account through your Irving Rewards online account or by phone, and the change takes effect right away for future refunds.
- If you change your account before a refund is issued, the new account will receive the payment automatically with no extra steps.
- If a refund has already been sent to an old account, Irving Rewards can help you recover it, but this requires a phone call and takes additional time.
- Irving Rewards will ask for your new account number, routing number, and the name on the account to process the change.
- Keep your account information current to avoid refunds landing in closed or inaccessible accounts.
Changing your account before a refund is issued
Log into your Irving Rewards account on their website or mobile app and navigate to your account settings or payment information section. Look for a link labeled "Banking Information," "Payment Method," or "Direct Deposit Details" — the exact wording varies by platform version. Click to edit, and you'll be asked to enter your new checking account number and routing number.
Have your new bank's routing number ready. You can find it on a check, on your bank's website, or by calling your bank directly. Irving Rewards will also ask for the name on the account — it should match the name on your Irving Rewards account. Once you submit the change, it's active immediately. Any refund processed after that point will go to your new account.
If you're unsure whether a refund has been issued yet, check your Irving Rewards account dashboard. It will show the status of any pending or processed refunds. If it says "pending" or "processing," your new account information will be used. If it says "issued" or "sent," the refund has already been routed to your old account, and you'll need to take a different step.
Recovering a refund sent to an old account
If Irving Rewards has already issued a refund to your previous checking account, call their customer service line directly. Have your Irving Rewards account number, the old account number the refund was sent to, and the new account number you want it redirected to. Explain that you've changed banks and need to redirect the payment.
Irving Rewards can contact your old bank on your behalf to attempt to reverse or redirect the transfer, but this depends on whether the money has already cleared into that account. If the account is still open and active, the process is faster — the old bank can often pull the money back within one to three business days. If the account is closed, it's more complicated and may take longer.
In some cases, Irving Rewards may issue a new refund to your new account instead of trying to recover the old one. Ask which option is available and how long each would take. Document the date and time of your call and the name of the representative you spoke with, in case you need to follow up.
What information you'll need to provide
When you change your account — whether online or by phone — Irving Rewards will ask for specific details. Have the following ready:
- Your new checking account number (the full number, usually 10 to 12 digits)
- Your bank's routing number (a nine-digit code that identifies your bank)
- The name on the checking account (should match your Irving Rewards account name)
- Your Irving Rewards account number or the email address associated with your account
Do not provide this information via email or text unless Irving Rewards initiates the request and you can verify it's legitimate. Use the phone number or website listed on your Irving Rewards statements or official correspondence.
Why your account information might not update
If you've submitted a new account number but a refund still goes to your old account, it usually means the refund was already in the system before your change was processed. Irving Rewards' system processes refunds in batches, often overnight or at set times during the day. If your change was made just before a batch processed, there can be a lag.
In rare cases, a technical error can prevent the update from taking effect. If you changed your account and a refund still went to the old one, call Irving Rewards again and ask them to confirm the change was recorded in their system. They can pull up your account history and see exactly when the change was made and when the refund was issued.
Protecting yourself from future mix-ups
Update your checking account as soon as you know you're switching banks, not after you've already closed the old account. If you close an account and a refund arrives after that, the bank will reject it and send it back to Irving Rewards, which then has to reissue it — adding a week or more to your timeline.
If you're expecting a refund and you're about to change banks, make the account change first, then wait a day or two to confirm it's been recorded before closing your old account. Check your Irving Rewards dashboard regularly to see the status of any pending refunds. The more current your information is, the fewer problems you'll run into.
Frequently Asked Questions
How long does it take for a new account to be active on Irving Rewards?
Changes made online or by phone take effect immediately, usually within minutes. However, if a refund is already queued to process, it may still go to your old account because batches are processed at set times. Future refunds will use your new account.
What if I don't know my routing number?
Call your bank's customer service line or check your bank's website — most banks list it prominently. You can also find it on a check; the routing number is the first set of nine digits at the bottom left. Do not guess or use a number you're unsure about, as an incorrect routing number will cause the refund to fail.
Can Irving Rewards change my account over the phone without me logging in online?
Yes. Call their customer service line, verify your identity with your account number or email, and provide your new account and routing number. They'll update it on the call. Ask for confirmation that the change has been recorded.
What happens if I close my old checking account before the refund arrives?
The refund will be rejected by the closed account and returned to Irving Rewards. They'll have to reissue it to your new account, which adds five to ten business days to the process. Always update your account before closing an old one.
Can I use a savings account instead of a checking account?
Most refund programs, including Irving Rewards, require a checking account for direct deposit. Savings accounts typically cannot receive ACH transfers. If you only have a savings account, contact Irving Rewards to ask about alternative payment methods, such as check by mail.