You can change your checking account with the IRS through Form 8822-B, by calling the IRS directly, or by updating it in your online IRS account

The IRS needs your current checking account details so refunds, payments, and notices reach the right place. If you've closed an account, switched banks, or need to correct account information the IRS has on file, you have three main routes: mail a signed form, call the IRS, or update it yourself online if you have an IRS account set up. The method you choose depends on whether you're in a hurry and whether you have access to an online account.

Changing your account information takes different amounts of time depending on which method you use. Mailed forms typically process within two to four weeks after the IRS receives them. Phone updates can be confirmed the same day but require you to speak with a representative. Online updates through your IRS account happen immediately, though you'll need to verify your identity first.

Key Takeaways

  • Form 8822-B is the official document for notifying the IRS of a new checking account, and it must be signed and mailed to the address listed on the form itself.
  • You can call the IRS at 1-800-829-1040 to update your account information over the phone, and a representative will confirm the change before you hang up.
  • If you have an IRS online account, you can update your banking details through the portal and see the change reflected immediately.
  • The IRS processes mailed forms within two to four weeks, so plan ahead if a refund is expected soon.
  • You will need your Social Security Number, the new account number, routing number, and account type (checking or savings) for any update method.

Mailing Form 8822-B to the IRS

Form 8822-B is the official IRS form for changing your banking information. You can download it from IRS.gov or request it by phone. The form asks for your name, Social Security Number, the new account number, the routing number, and whether the account is checking or savings. You must sign and date the form — unsigned forms are rejected and sent back.

Mail the completed form to the address shown in the form's instructions. The address varies depending on your state, so check the form itself rather than using a general IRS mailing address. Include a copy of a blank check or a bank statement showing the account number and routing number if you want to be extra clear, though it's not required. The IRS recommends sending it by certified mail so you have proof of delivery.

Processing takes two to four weeks from the date the IRS receives your form. If you're expecting a refund soon, this method may be too slow. Keep a copy of the form for your records.

Updating Your Account by Phone

Call the IRS at 1-800-829-1040 during business hours (Monday through Friday, 7 a.m. to 7 p.m. your local time). Have your Social Security Number, new account number, routing number, and account type ready before you call. Wait times can be long, especially during tax season, so call early in the morning or later in the week if possible.

When you reach a representative, tell them you need to update your banking information. They will verify your identity by asking for your name, date of birth, and possibly other details. Once verified, they'll ask for your new account details and read them back to you to confirm. The representative will note the change in your IRS file immediately.

This method is fastest for confirmation but requires you to reach a live person, which can take time. If you can't reach the IRS after multiple attempts, use Form 8822-B or the online method instead.

Updating Your Account Online Through Your IRS Account

If you have an IRS online account (created at IRS.gov), you can update your banking information yourself without waiting for mail or phone lines. Log in to your account, navigate to the profile or account settings section, and look for the option to update banking information or direct deposit details. The exact location varies slightly depending on the IRS website version, but it's usually under "Account" or "Settings."

You'll need to enter your new account number, routing number, and account type. The IRS will ask you to verify your identity using security questions or a code sent to your email or phone. Once verified, the change takes effect immediately in the system. You should see a confirmation message on screen.

This is the fastest method if you already have an online account set up. If you don't have one, creating it takes about 10 minutes and requires your Social Security Number, date of birth, and a valid email address.

What Information You Need Before You Update

Gather these details before you contact the IRS, call, or fill out a form:

  • Your full name and Social Security Number
  • The new checking account number (usually 10 to 12 digits)
  • The routing number (nine digits; found on the bottom left of a check or on your bank's website)
  • Confirmation that the account is checking or savings
  • Your date of birth (for phone or online updates)

If you don't have a blank check, log into your bank's online portal or call your bank directly to find the routing number. Most banks also display this information on their website under "banking information" or "account details."

When to Update Your Account Information

Update your account as soon as you close an old account or open a new one. If the IRS sends a refund to a closed account, the bank returns it and the IRS has to reissue it, which adds weeks to the process. If you're expecting a refund within the next month, update your information right away using the online method or by phone rather than waiting for a mailed form to process.

If you've already received a notice that your refund was sent to the wrong account, contact the IRS immediately. They can sometimes intercept the payment or reissue it faster if you report the problem quickly. The same applies if you notice the IRS has your account information wrong — a typo in the account number means your refund goes nowhere.

What Happens If the IRS Sends Money to the Wrong Account

If your refund or payment goes to a closed account or the wrong account number, the bank returns it to the IRS marked as undeliverable. The IRS then has to reissue the refund, which typically takes four to six weeks. During that time, you won't have access to the money.

If the money went to the wrong account at your own bank (due to a typo you made), contact your bank immediately. The bank can sometimes reverse the deposit or redirect it, but only if you catch it quickly — usually within one or two business days. After that, the money belongs to whoever the account holder is, and you'll need to work with the IRS to get a reissue.

If the money went to someone else's account entirely due to an IRS error, contact the IRS and file a complaint. Bring documentation of the correct account number you provided. The IRS will investigate and reissue the refund to the correct account.

Frequently Asked Questions

How long does it take for the IRS to process a banking information change?

Mailed Form 8822-B takes two to four weeks. Phone updates are confirmed the same day. Online updates through your IRS account happen immediately. If you're expecting a refund soon, use the phone or online method.

Can I update my account information if I'm filing a joint return?

Yes, but both spouses must sign Form 8822-B if you're mailing it. If you're calling or using an online account, only the person whose Social Security Number is listed first on the return needs to make the update, though you can authorize the other spouse to call on your behalf with proper verification.

What if I don't know my routing number?

Check a blank check — the routing number is the first nine digits on the bottom left. You can also log into your bank's website or app and look under account details, or call your bank's customer service line. The routing number is public information and your bank will give it to you immediately.

Do I need to update my account information if I'm getting a refund by mail instead of direct deposit?

No. If you choose to receive your refund by check, the IRS doesn't need your banking information. You only need to update your account if you want the refund deposited directly into your checking or savings account.

Can I change my account information after I've filed my tax return?

Yes. You can update your account at any time, even after filing. If you file and then realize you gave the IRS the wrong account number, update it immediately using the phone or online method so the change is in the system before your refund is processed.