I tried looking on their website but couldn't find it anywhere. And googling my small local credit union didn't turn up the EIN. Maybe I should just call them?

Yes, calling them is definitely your best option if you can't find it online. Ask specifically for their "federal employer identification number" or "tax identification number" for 1099 reporting purposes. Make sure to have your account number handy as they'll likely need to verify your identity before providing any tax information. Local credit unions usually have much shorter hold times than big banks, so hopefully it won't be too painful!

The IRS did make some changes to the 1099-INT form for 2024. The payer's EIN should be in the top left section now in its own designated field. Some banks are using the updated format while others are still using older versions. If your form is missing the EIN field entirely, that's definitely a mistake on the bank's part.

Thank you so much for this specific advice for Robinhood! I just sent the email with that exact subject line and all the details you mentioned. I don't have Twitter but might create an account just for this purpose if I don't hear back soon. Did you have to wait long after sending the email before they responded? I'm getting really nervous as the deadline gets closer.

I got a response within 2 business days to the email. The Twitter route was actually faster - got a response same day, though it took about 3-4 days total to fully resolve the issue. They'll likely ask you to resubmit the form through their secure message center inside the app, which is fine. The important thing is getting your case flagged in their system so it doesn't just sit in the general queue. Once the right department has it, they're actually pretty efficient.

I've had success with this approach too. Most brokerage agreements have an arbitration clause, and just mentioning that you're "reviewing the dispute resolution section of your account agreement" can suddenly make things move much faster. They don't want to deal with the hassle and cost of formal arbitration.

Is the PTIN requirement just for CPAs or does it apply to all tax preparers? My aunt does taxes on the side and I'm not sure she has this number you mentioned.

The PTIN requirement applies to ALL paid tax preparers, not just CPAs. This includes enrolled agents, tax attorneys, and anyone who prepares tax returns for compensation. The only exception is if someone is preparing returns as an unpaid volunteer. If your aunt charges money for tax preparation services, she legally needs a PTIN. It's not optional - it's a federal requirement. The IRS uses these identification numbers to track preparers and hold them accountable for the returns they submit. Without a PTIN, she shouldn't be charging for tax preparation services at all.

This happened to my coworker too! Their preparer claimed random deductions they weren't eligible for and their refund was huge. They got audited two years later and had to pay everything back plus penalties. The preparer was nowhere to be found by then.

Does the Fresh Start program work if you already have a payment plan from a previous tax issue? I set one up in 2022, then had another problem with my 2023 taxes.

Yes, you can still use Fresh Start provisions if you have a previous payment plan, but you'll likely need to renegotiate your existing agreement to include the new tax debt. The IRS typically combines all outstanding tax debts into a single payment plan. If your total debt is under $50,000, you can usually handle this online through the IRS payment agreement application. If your debt is now over $50,000 with the addition of the new tax issue, you might need to provide more financial information and work with an IRS representative directly. The key is contacting them before they contact you about the new debt - being proactive always looks better and gives you more options.

I used a tax attorney last year for a $15k back tax issue. Cost me $2,500 but he negotiated my penalties down by about $3,200 so it was worth it. The free consultation helped me understand my options before committing to anything. If your situation is pretty straightforward though, you might be fine handling it yourself with an installment agreement.

That's helpful to know about the free consultation option. Did they require payment upfront or could you pay in installments? I'm already stressed about the tax bill so coming up with a big attorney fee right now would be tough.

How detailed does that log need to be? I use my laptop for both my regular job and my side hustle selling digital patterns. Should I be tracking hours or something?