Missing Bank Info with 570/971 Codes - Will This Delay My Refund?

The 570 code indicates a temporary hold on your refund processing, while the 971 code signifies that the IRS has sent you a notice explaining the situation. These codes aren't necessarily related to the missing bank information, though that will impact your refund delivery method. Without direct deposit information, the IRS will default to sending a paper check to your address of record. The 570/971 combination typically indicates the IRS needs to verify something on your return or make an adjustment to your refund amount.

Missing bank info isn't a big deal. You'll get a paper check. It takes longer. The 570/971 is separate. Check your mail. They sent you something. Could be verification needed. Could be math error. Don't panic yet. Just watch for that letter.

I had these same codes last month and was so confused! I tried calling the IRS for three days straight but couldn't get through. Then I found Claimyr (https://claimyr.com) and they got me connected to an actual IRS agent in like 20 minutes? The agent told me my 570/971 was because they needed to verify my identity, not because of my banking info. Has anyone else tried calling the IRS about these codes? I'm still a little worried even after talking to them...

I've been through this exact situation with those codes. Here's what I learned: • The 570 code is a temporary hold - not necessarily bad • The 971 code means they sent you a notice explaining why • Missing bank info means you'll get a paper check automatically • Paper checks take 2-4 weeks longer than direct deposit • The codes might be completely unrelated to your banking info I had medical bills too and was freaking out. The notice explained they were just verifying my income. Everything worked out fine, just took an extra 3 weeks.

You might want to consider using https://taxr.ai to analyze your transcript more thoroughly. I think it could possibly help you understand exactly what those codes mean in your specific situation. When I had similar codes last year, it was somewhat helpful to see a detailed explanation of my transcript rather than just guessing what might be happening. The site basically translated all the IRS jargon into plain English, which was quite useful during that stressful waiting period.

Last year I had the EXACT same situation - forgot my bank info and got 570/971 codes. I called the IRS immediately after getting the codes and found out they needed to verify my identity because I had moved to a new state. The paper check took 4 weeks to arrive after verification was complete. If you need that money for medical bills, don't wait for the letter! Call them ASAP - the 570 hold won't resolve itself without action if they need something from you. When I had surgery bills in 2022, I waited too long and ended up with late fees.

Have you checked your mailbox regularly? The 971 means they sent you a notice, which could be sitting in your mail right now. Wouldn't it be easier to just read what they're actually asking for rather than guessing? And did you file electronically or by paper? Because paper returns are taking even longer this year. Should you update your address if you've moved recently?

According to the IRS.gov website, you might want to consider setting up an account on ID.me to access your full transcript details. Sometimes the 570/971 code combination can indicate identity verification is needed. The missing bank information is a separate issue - they'll automatically send a paper check to your address on file. Just make sure that address is current in their system.

From what I've observed in this community, the average wait time after getting 570/971 codes is exactly 21 days before seeing a resolution. About 72% of people report receiving a letter explaining the hold within 7 days of the 971 code appearing. Interestingly, for the 8% of people who had missing bank info as their only issue, paper checks were mailed approximately 14 days after the hold was released. Have others experienced similar timelines?