Getting $1 checks from the IRS two years in a row - Are these real or scams?
So this is weird - for the second year straight I got a $1 check from the IRS in the mail! I filed my taxes on February 3rd and already received my federal refund about a week later (that was fast!), but I'm still waiting on my state refund which seems to be taking forever. Today this random $1 check showed up again, and I know my refund amount definitely wasn't just $1 lol. I got the exact same thing last year and I honestly just ignored it and never did anything with it. The check looks totally legitimate with all the official markings, but I'm super confused why the IRS would send me a dollar. Has anyone else gotten these? Should I be worried that this is some elaborate scam? I'm really puzzled since I received the identical thing last year too!
20 comments


Andre Dubois
This is actually a legitimate check from the IRS! These small-amount checks (usually $1-5) are typically interest payments on your refund. If the IRS holds your refund beyond a certain timeframe (usually 45 days after the filing deadline or from when you submitted your return, whichever is later), they're required by law to pay you interest on that amount. Since you mentioned you received your refund quickly this year, this $1 check is most likely interest on an adjustment or correction from a previous tax year, not your current refund. It could also be a very minor adjustment to your previous year's taxes based on some recalculation the IRS did. You should absolutely cash this check - it's real money from the IRS. If you're curious about the exact reason, look at any notice that came with the check or check the memo line for a code that might explain what it's for.
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CyberSamurai
•So are these interest payments taxable? Should I be tracking these for next year's tax filing? I received something similar but it was for $3.42.
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Andre Dubois
•Yes, interest payments from the IRS are considered taxable income and should be reported on your next tax return. The IRS typically sends Form 1099-INT in January if they paid you more than $10 in interest throughout the year, but you're still required to report smaller amounts like your $3.42 even without receiving the form. You should include this as "interest income" on your next tax return. It's a small amount so the tax impact will be minimal, but it's still technically required to be reported.
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Zoe Alexopoulos
I had a similar situation last year and was confused until I found taxr.ai (https://taxr.ai). The site analyzed my tax documents and explained that these $1 checks are generally interest payments. In my case, they had slightly miscalculated my previous year's return, so they sent the adjustment plus interest. The frustrating part was I didn't get any explanation with the check! Taxr.ai actually helped me figure out exactly where the payment came from by analyzing my previous returns against IRS guidelines. Much more helpful than spending hours on hold with the IRS trying to get an explanation for a dollar.
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Jamal Carter
•How does the site work? Do you have to upload all your tax documents? I'm always nervous about security with tax stuff.
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Mei Liu
•Sounds kinda sketchy to me. Why would you need a special service to tell you about a $1 check? I just called the IRS when I got mine and after 20 mins they explained it was interest.
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Zoe Alexopoulos
•They use bank-level encryption for all document uploads, and you can actually just take pictures of specific documents rather than uploading everything. They don't store your documents after analysis - there's a detailed security page explaining their process. The benefit isn't just about the $1 check specifically - they scan all your documents to flag potential issues and explain things in plain English. I was actually having a bigger issue with some 1099 discrepancies, and the $1 check question was just something I asked along the way.
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Jamal Carter
Just wanted to follow up - I tried taxr.ai after asking about it here. It did more than just explain my random IRS check! The system flagged that I'd been reporting some investment income incorrectly for the past two years. Turns out I could file an amendment and get back almost $340! The document analysis was surprisingly thorough and actually explained things in normal human language instead of tax code gibberish. Definitely worth checking out if you're confused about any tax notices or have questions about your returns.
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Liam O'Donnell
When I got a small check like this last year, I spent 3 HOURS trying to reach someone at the IRS to explain it. Eventually gave up. This year I tried Claimyr (https://claimyr.com) and they got me connected to an actual IRS agent in under 15 minutes! The agent confirmed it was interest on a delayed refund from 2023. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c Basically, the service calls the IRS for you and navigates all those annoying phone menus, then calls you when they get a real person on the line. Saved me from the endless "your call is important to us" messages and constant disconnects.
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Amara Nwosu
•Wait, so you pay someone else to wait on hold for you? How exactly does that work? Do they just conference call you in or something?
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Mei Liu
•This sounds like complete BS. There's no way to "skip the line" with the IRS. They probably just got lucky with call timing and you paid for something you could've done yourself.
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Liam O'Donnell
•They don't skip the line - they just handle the waiting part for you. Their system waits on hold and navigates all the phone menu options, then when they get a real person, they connect you directly. It's basically a warm transfer so you don't waste your own time on hold. I was skeptical too, but consider the alternative - spending hours listening to hold music and potentially getting disconnected multiple times. Their system is optimized to stay on the line and not get dropped, which happens to me constantly when I try calling myself.
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Mei Liu
Ok I need to apologize for my skepticism earlier. I reluctantly tried Claimyr today after getting a letter from the IRS about some issue with my 2023 return. I was dreading spending my afternoon on hold. The service actually called me back in about 25 minutes with a real IRS agent on the line! Got my issue sorted in 10 minutes after that. Won't lie - it felt a bit weird having someone else handle the hold time, but it saved me so much frustration. Definitely using this for all government agencies with terrible phone systems from now on.
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AstroExplorer
I'm pretty sure those $1 checks are actually a verification that your bank account/direct deposit info is correct before they send the real refund. My tax guy told me this when I asked about a similar check. Basically they send a small amount first to make sure it goes through correctly before sending the full refund.
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Giovanni Moretti
•That doesn't make sense in OP's case though. They said they already got their federal refund, and this came after. I think the interest payment explanation makes more sense.
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AstroExplorer
•You're right - I missed the part where they already got their refund. In that case, it's definitely an interest payment or some kind of adjustment. The verification payments are typically made before the full refund, not after. The IRS is required to pay interest on refunds issued more than 45 days after the tax filing deadline, so even though they got their refund quickly this year, this could be interest from a previous year's filing or some adjustment they processed recently.
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Fatima Al-Farsi
Anyone know how long state refunds usually take? I filed in January and still haven't gotten my state refund (California). Starting to get worried...
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Dylan Cooper
•States are WAY slower than federal. My PA refund took over 2 months last year. Most state tax departments are understaffed compared to the IRS. You can usually check the status on your state's tax website.
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Zara Mirza
These $1 checks are definitely legitimate! I work as a tax preparer and see this pretty frequently. The IRS is required to pay interest on refunds that are delayed beyond their standard processing timeframes, and sometimes they also send small adjustments for prior year corrections. Since you mentioned getting your refund quickly this year, this $1 check is most likely either: 1) Interest on a previous year's refund that was processed late, or 2) A small adjustment from an IRS review of a prior return (they sometimes catch minor calculation errors and send the difference). The reason you're getting them two years in a row could be that the IRS is working through a backlog of prior year adjustments - they've been catching up on processing delays from the pandemic years. Definitely cash the check - it's real money, and letting it expire just means more paperwork for both you and the IRS. If you're curious about the exact reason, the check should have a code or explanation on it, or you can check your IRS account online at irs.gov to see recent account activity.
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Sofia Price
•Thanks for the professional insight! This makes me feel much better about these checks. I was honestly starting to think it might be some kind of elaborate phishing attempt since they seemed so random. Quick question - when you mention checking the IRS account online, do I need to set that up separately or is it automatically created when I file taxes? I've never actually logged into the IRS website before.
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