Voided Check for IRS

The IRS processes over 100 million tax refunds via direct deposit each year. While you typically enter your routing and account numbers directly on your tax return, there are situations where a voided check is useful or required.

When You Need a Voided Check for the IRS

Tax Preparation

If you use a tax preparer (CPA, enrolled agent, or tax preparation service), they may ask for a voided check to verify the routing and account numbers you want to use for your refund direct deposit.

Direct Deposit Setup

When filing your federal tax return (Form 1040), you provide your routing number and account number on the form. A voided check helps ensure you enter the correct numbers.

IRS Payment Plans

If you set up an installment agreement with the IRS to pay taxes owed, they may request a voided check to set up automatic ACH payments from your bank account.

State Tax Refunds

Many state tax agencies also offer direct deposit for refunds and may request banking verification.

How Tax Refund Direct Deposit Works

1. You file your tax return and include your routing number and account number
2. The IRS processes your return and approves the refund
3. The refund is deposited directly into your bank account via ACH transfer
4. Most refunds arrive within 21 days of filing electronically

Finding Your Routing and Account Numbers for Tax Filing

Your voided check provides both numbers clearly:

• Routing number — the first 9 digits at the bottom left of the check
• Account number — the number to the right of the routing number

If you do not have a check, find these numbers through:

• Your bank's mobile app or online banking portal
• A bank statement
• By calling your bank's customer service line
• VoidedCheck.com — search for your bank to find the correct routing number

Important Tips for IRS Direct Deposit

• Double-check your numbers — A wrong routing or account number will delay your refund
• Use a checking account — The IRS recommends using a checking account for refund deposits
• Verify account type — Make sure you select the correct account type (checking or savings) on your return
• Joint vs. individual — You can direct your refund to a joint account even if filing individually

IRS Direct Deposit Limits

• You can split your refund across up to 3 bank accounts using Form 8888
• The IRS limits direct deposits to 3 refunds per account per year to prevent fraud
• If you exceed the limit, the IRS will mail a paper check instead

Frequently Asked Questions

Does the IRS require a voided check?

The IRS does not formally require a voided check for tax filing. However, tax preparers often request one to verify your banking information.

Can I use a voided check for state tax refunds?

Yes. State tax agencies that offer direct deposit use the same routing and account number system.

What if I enter the wrong routing number on my tax return?

If the routing number is invalid, the IRS will mail a paper check. If it is valid but for the wrong account, the refund may be deposited into someone else's account, and recovery can be difficult.

Is it safe to give my tax preparer a voided check?

Yes. Licensed tax preparers are required by law to protect your financial information. The voided check provides the same information you enter directly on your tax return.

Can I get my refund on a prepaid debit card?

Yes. Some prepaid cards and digital wallets provide routing and account numbers that work with IRS direct deposit.

Generate a voided check for your tax preparation →