I filed my individual income tax electronically and selected to have my refund deposited directly into my bank account. It has been over 45 days and the money has not been credited. What should I do?

If you accidentally entered the wrong bank routing number and account number, and those numbers matched someone else’s real bank account, your refund was sent to that account by mistake. To fix this, you need to work directly with the bank where the money was sent.

By law, we are not allowed to change the bank information you gave us. You can call the Customer Service Division at (855) 307-3893 and they will give you important information like the name of the bank, routing number, account number, refund amount, deposit date, and a confirmation number. You can take this to your bank so they can help you fix the mistake.

If the money was sent to a different bank (not yours), your bank can help you contact the other bank to get your refund back.

If the wrong numbers you gave didn’t match any real account, the refund will not go through, and a check will be mailed to your home instead.

If you got a Refund Anticipation Loan from your tax preparer when you filed your return, your refund was sent to the bank that gave you the loan, based on your loan agreement. If you have questions about the deposit, you need to contact your tax preparer or the lender.

You entered the correct bank routing and account number but didn’t get your refund.

1. Your refund might have been taken (garnished) to pay for things like unpaid state or federal taxes, child support, or other debts. If this happened, you’ll get a notice within 30 days after your return was processed.

2. It’s also possible your refund was sent to your bank, but you didn’t notice it. Most electronic refunds show up in your account a few days after the funds are transmitted to your bank. If you still don’t see it, contact your bank and ask them to check for the deposit. If needed, we can give you the deposit details and a confirmation number that proves your bank got the money. To ask for this information, call the Customer Service Division at (855) 307-3893.