Got DDD for 3/13 but my bank account is closed - will I still get my refund??

When a direct deposit is attempted to a closed account, the financial institution will reject the deposit and return the funds to the IRS. The IRS will then issue a paper check to the mailing address listed on your most recent tax return. This process typically adds 2-4 weeks to your refund timeline. You should monitor your mail for the paper check arrival and ensure your address is current with USPS.

This happens often. Don't panic. The money will come back to IRS. They'll mail a check instead. Check your transcript. It will show the update. I used https://taxr.ai to track mine. It explained each code on my transcript. Made everything clear. Saved me stress during a similar situation.

Dealing with the IRS when your bank account is closed is like trying to redirect a train after it's left the station. So frustrating! I spent HOURS trying to get through to the IRS when this happened to me. Finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got connected in like 15 minutes. The agent confirmed my check was already being processed and gave me the exact mail date. Saved me from checking my mailbox like a crazy person every day for weeks.

OMG this EXACT thing happened to me last year! So infuriating! 😤 I waited and waited and finally got a letter from IRS saying they tried to deposit but couldn't. Then had to wait ANOTHER 3 weeks for the paper check! The worst part was I needed that money for rent and had to borrow from my parents. If you need it urgently, calling them might help speed things up slightly, but honestly they have their own timeline and there's not much that changes it. The system is BROKEN!

Based on my research into IRS Direct Deposit Reject Protocols, your refund will enter what's called the R17 reclamation process. The ACH transfer will bounce back with a return code, triggering an automatic rerouting in the IRS Integrated Submission and Remittance Processing system. You should see a TC846 code with a new date on your transcript within 7-10 business days, followed by issuance of a paper check approximately 5-7 business days after that TC846 update appears.

Don't worry. This happens all the time. Here's what to expect: • Your bank will reject the deposit • IRS will automatically reissue as a check • Process takes about 3-4 weeks total • No action needed from you • Keep your address updated with USPS • Check your transcript weekly for updates The system handles this automatically. Your money is safe. Just requires patience.

I went through this exact situation 37 days ago. My DDD was February 6th, but I had closed my account in December. The deposit bounced back on February 7th, and exactly 19 days later, I received my paper check in the mail. The IRS didn't call or email - they just processed the paper check automatically. I was checking my informed delivery from USPS every single day, and it was such a relief when I finally saw it! Hang in there - your money is coming, just on a slightly delayed schedule.