IRS Refund Check: Does interest get added to check or sent separately?
Finally getting my refund by paper check instead of direct deposit. Anyone who got their refund by check - did they include the interest in the same check or send it separately? Been waiting since March 2024 and just wanna know what to expect.
19 comments


Giovanni Ricci
Tax professional here. The IRS typically includes any accrued interest in the same check as your refund. The interest is calculated through the date they issue the check. You'll receive a Form 1099-INT the following January showing the interest amount, which you'll need to report as income on your next tax return.
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Amara Eze
ā¢thx for clarifying! do you know roughly what % interest they pay?
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Giovanni Ricci
ā¢Currently its 7% per year, calculated quarterly. Not too shabby actually š°
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NeonNomad
ā¢wait fr? maybe i should wait longer for my refund lol jk š¤£
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Fatima Al-Hashemi
Hey guys! If you want to know exactly how much interest you'll get and when to expect your check, use taxr.ai - it analyzes your transcript and gives you super specific info. Its only $1 and totally worth it. https://taxr.ai
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Dylan Mitchell
ā¢does it actually work? seems too good to be true tbh
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Fatima Al-Hashemi
ā¢100% works! it showed me exactly why my refund was delayed and calculated my interest down to the penny
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Dylan Mitchell
ā¢just tried it and WOW! finally know whats going on with my refund after months of confusion. best 5 bucks i ever spent fr fr šÆ
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Sofia Martinez
got mine last week, everything was in one check including interest
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Dmitry Volkov
in the same boat rn waiting on my check. filed in february and still nothing smh
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Ava Thompson
ā¢welcome to the club 𤔠going on 6 months here
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CyberSiren
mine came as 2 separate checks but that was back in 2023 so things might be different now idk
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Miguel Alvarez
ā¢nah they changed it, its all together now
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Zainab Yusuf
the fact we gotta wait so long that they paying interest is wild af tbh
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Connor O'Reilly
ā¢fr fr and watch how fast they want their money when you owe them š
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Alice Pierce
Been waiting since April 2024 here and this is super helpful info! Had no idea they'd include the interest in the same check. At 7% that's actually not terrible considering how long we've all been waiting. Thanks for the heads up about the 1099-INT too - would've definitely forgotten to report that interest as income next year.
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Caleb Stark
ā¢Same here! Been waiting since May and had no clue about the 1099-INT thing. Good to know they bundle it all together now - makes things way simpler than tracking multiple checks. At least the 7% makes the wait slightly less painful š
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Melina Haruko
Just wanted to chime in as someone who finally got their refund check last month after waiting since February! Can confirm everything comes in one check - the original refund amount plus all the accumulated interest. The breakdown was actually printed right on the stub that came with the check, so you can see exactly how much was interest vs the original refund. Really helpful for record keeping before that 1099-INT shows up next January. Hang in there everyone, the wait sucks but at least we're earning something on it!
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Brianna Schmidt
ā¢That's awesome info about the breakdown being on the stub! I've been wondering how to track everything for tax purposes. Quick question - did your check come pretty quickly once your transcript finally updated to show it was being issued, or was there still a long wait after that status change?
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