Where and how to change your bank details on file

You can update your checking account with the IRS through three main routes: the IRS website using your online account, by mail using Form 8822-B, or by phone through the IRS automated system. The fastest method is your IRS online account at irs.gov, where you can add or change your bank details in real time. If you do not have an online account, you can create one using your Social Security number, date of birth, filing status, and the amount from your most recent tax return.

The IRS uses your bank information primarily for tax refunds and, if you owe taxes, for setting up payment plans. Updating this information before you file your return is simpler than changing it afterward, but you can update it at any time. The IRS will not use outdated bank details to send money — if the account information on file is wrong, your refund will be delayed while the IRS tries to reach you or processes a paper check instead.

Key Takeaways

  • Your IRS online account at irs.gov is the fastest way to add or change your bank details, and changes take effect immediately.
  • Form 8822-B mailed to the IRS takes 4 to 6 weeks to process, so use it only if you cannot access your online account.
  • The IRS phone line 800-829-1040 has an automated system that can update your bank information without speaking to a representative.
  • Updating your account before you file your return prevents delays; updating after filing may not reach the IRS in time for your refund.
  • The IRS needs your routing number and account number, both of which appear on the bottom left of your checks or in your bank's online portal.

Setting up or logging into your IRS online account

Go to irs.gov and look for the "Online Services" section, then select "Create an Account" or "Sign In." If you are creating an account for the first time, you will need your Social Security number, date of birth, filing status, and the exact amount from line 15 (or the total tax) on your most recent tax return. The IRS will ask you to verify your identity by answering questions about your credit history or by uploading a photo ID and a selfie.

Once you are logged in, look for "Profile" or "Account Settings" and then "Banking Information" or "Direct Deposit." You will see fields for your routing number and account number. If you already have bank details on file and want to change them, delete the old information first, then enter the new routing and account numbers. Save your changes — the IRS updates its records immediately, though it may take one business day for the change to sync across all IRS systems.

Using Form 8822-B if you cannot access your online account

Form 8822-B is the official IRS form for updating your address, phone number, and banking information. You can download it from irs.gov, fill it out by hand or on your computer, print it, sign it, and mail it to the address shown on the form. The form is short — it asks for your name, Social Security number, the tax year you are updating, and your new bank routing and account numbers.

Mail the form to the IRS address listed in the instructions (it varies by state). Processing takes 4 to 6 weeks. This method is slower than using your online account, but it is the only option if you do not have internet access or cannot verify your identity online. Keep a copy for your records and consider mailing it certified mail so you have proof of delivery.

Updating your bank information by phone

Call the IRS at 800-829-1040 during business hours (Monday through Friday, 7 a.m. to 7 p.m. your local time). The automated system can update your banking information without you speaking to a representative. You will need your Social Security number, date of birth, and the routing and account numbers you want to add or change.

If the automated system cannot help you or you prefer to speak with someone, you can stay on the line for a representative, though wait times are often long. The representative can update your information over the phone and will confirm the changes before ending the call. This method is useful if you are not comfortable with online accounts or need immediate confirmation that your change went through.

Finding your routing number and account number

Your routing number and account number are printed on the bottom left of every check you receive from your bank. The routing number is the first set of nine digits, the account number follows it. If you do not have checks, log into your bank's website or mobile app — most banks display both numbers in the "Account Details" or "Account Information" section. You can also call your bank's customer service line and ask for your routing and account number.

Make sure you have the correct routing number for your specific branch. Some large banks have multiple routing numbers depending on where your account was opened. If you enter the wrong routing number, the IRS may not be able to deposit your refund, and you will receive a paper check or a notice asking you to correct the information.

What happens after you update your information

If you update your bank details before you file your tax return, the IRS will use the new information when processing your return. If you update your information after you have already filed, the IRS will use the new information only if it receives the update before your refund is processed — typically within 2 to 3 weeks of filing. If your refund has already been sent to an old account, you cannot recall it through the IRS; you will need to contact your old bank to see if the deposit can be reversed or redirected.

The IRS sends a confirmation notice to your mailing address on file after processing a banking information update. If you do not receive this notice within 4 to 6 weeks of mailing Form 8822-B, or within a few days of updating online, contact the IRS to confirm the change went through. You can check the status of your refund at irs.gov/refunds to see whether it was deposited to your new account or is still pending.

Frequently Asked Questions

Can I update my bank information after I have already filed my return?

Yes, but timing matters. If you update your information within 2 to 3 weeks of filing, the IRS may use the new account for your refund. If your refund has already been processed and sent to an old account, contact that bank to ask whether the deposit can be stopped or reversed. The IRS cannot redirect a refund once it has been issued.

What if I enter the wrong routing or account number?

The IRS will attempt to deposit your refund to the account you provided. If the routing number is invalid, the deposit will fail and you will receive a paper check instead, which delays your refund by several weeks. If the account number is wrong but the routing number is correct, the deposit may fail or go to the wrong account. Contact the IRS immediately if you realize you made a mistake.

Do I need to update my bank information every year?

No. Once you update your banking information with the IRS, it stays on file for future tax years unless you change it. If you switch banks or open a new account, you will need to update your information before filing your next return or as soon as possible after.

How long does it take for the IRS to use my new bank information?

If you update online, the change is immediate. If you mail Form 8822-B, allow 4 to 6 weeks for processing. If you call, the change is recorded that day. However, if you update after filing your return, the IRS may not receive the change in time to use it for your current refund.