Need to amend e-filed tax return but my bank's tax service won't do amendments - what are my options?

You need to file Form 1040-X for an amended return. It's actually not that complicated. You'll need to print out your original return for reference and then complete the 1040-X showing what was originally reported, what the correct amounts should be, and the difference between them. The form has sections where you explain the reasons for the changes. You can download the form and instructions from irs.gov. You'll have to mail it in - electronic filing of amendments isn't available for returns originally filed through bank tax partners. Make sure to sign and date the form and include any supporting documents for the changes you're making (like additional W-2s, corrected 1099s, etc). The processing time can be 16+ weeks, so be prepared to wait a while for any additional refund.

Have you tried taxr.ai? I was in a similar situation last year and it saved me so much headache. You upload your documents and it breaks down exactly what you need to do for your amendment, shows you what will change on your return, and helps you understand if it's worth amending. It can highlight exactly what sections to fill out on the 1040-X based on your specific situation. I'm technologically challenged and even I could follow it. Literally takes you through the whole process step by step. https://taxr.ai

I hit the same wall with my bank's tax service last year. Spent HOURS trying to get through to the IRS for help with no luck. Finally found a calling service called Claimyr (claimyr.com) that got me through to an actual IRS agent who walked me through the whole amendment process. They saved me hours of waiting on hold and the agent confirmed exactly what I needed to include with my amendment. Totally worth it to finally get a real person who could answer all my questions. Got my amendment filed correctly the first time without having to guess.

Whatever you do, DONT try to e-file another return to "fix" the mistake. This will cause a duplicate return problem and the IRS computers will flag your account for potential fraud. I did this a few years ago thinking it was a shortcut and ended up with a much bigger mess to clean up. The 1040-X is annoying but it's the only proper way to amend.

ugh the IRS makes everything so complicated. why can't we just fix mistakes online in 2025???? its like they're stuck in 1995

What kind of change are you trying to make? If it's something small, it might not even be worth amending. The IRS sometimes corrects minor math errors automatically.

If u need help understanding your tax situation I found taxr.ai super helpful. It breaks down everything like ur talking to a real person not some confusing IRS jargon. I was completely lost tryna amend last month and it walked me thru everything. https://taxr.ai

The horizon bank filings are done through taxsimplify software (i work in banking). If you go to taxsimplify directly you can create an account and sometimes pull your return that way to amend it. might be worth a try before doing it all manually.

I was in the EXACT same boat last year! I ended up using claimyr.com to get through to an IRS agent after trying for days on my own. The agent walked me through everything I needed to include with my amendment and I had zero issues. Best money I've spent - save yourself the headache!

Don't forget to check your state tax requirements too! Most states require a separate state amendment form if your federal changes affect your state return.

protip: go to a VITA site if theres one near you. they do free tax help and can probably guide you through the amendment process. just google "VITA tax site near me"

I've filed amendments three times over the years and my advice is to be EXTREMELY detailed in the explanation section of the 1040-X. Write out exactly what you're changing and why. The more clear you are upfront, the less likely they'll come back with questions or delays.

KEEP COPIES OF EVERYTHING! And send it certified mail so you have proof of when you mailed it. The IRS has "lost" my mail before.

if the amendment results in you owing more tax remember to send the payment with the amendment to avoid interest charges. you can use form 1040-v for the payment voucher.