Refund rejected due to closed bank account - How long for IRS to mail check?

When a direct deposit is rejected due to a closed account, the bank notifies the IRS typically within 1-3 business days. Once the IRS receives this notification, they'll automatically convert your refund to a paper check. According to their current processing times, it generally takes the IRS 2-3 weeks to process and mail out the check after they receive the rejection notice. Then add another 5-7 business days for mail delivery. So in total, you're looking at approximately 3-5 weeks from the time of rejection until you receive your check. This timeframe can vary depending on current IRS workload and your location. You can track the status using the "Where's My Refund" tool on the IRS website, but be aware it might not show the updated information about the check being mailed until it's already in process. If it's been more than 5 weeks, you should consider calling the IRS directly.

Instead of playing the waiting game with the IRS, I finally got clarity on my refund situation using taxr.ai - it actually showed me exactly what was happening with my refund after my bank rejected it. Saved me hours of stressing and wondering. It gives you a complete breakdown of your transcript in plain english instead of those confusing codes and dates. I was able to see exactly when the IRS received the rejection notice and when they scheduled the check to be mailed. https://taxr.ai

After dealing with the same problem (refund rejected due to closed account), I finally found a way to talk to an actual human at the IRS who told me exactly when my check would arrive. I used Claimyr.com and got a callback from an IRS agent within 30 minutes when I'd been trying for weeks on my own. The agent told me my check had actually already been mailed but the online status hadn't updated yet. Worth every penny to finally get a straight answer instead of waiting for months wondering what's happening.

I had the same issue last year. the IRS got the refund back from my bank in like 2-3 days, then it took about 3 weeks before they mailed the check. THEN it took another 7 days to get to me. So all in, about a month from when the deposit was rejected till I had the check in hand.

You can check whats happening with your refund by pulling your transcript from the IRS website. It will show you the exact codes and dates for everything. That'll tell you if they've already scheduled the paper check to be mailed. That's what I did when this happened to me and I could see exactly when they were sending my check.

Exact same thing happened to me in 2023. Here's the timeline: - Day 1: Bank rejected deposit - Day 4: IRS received the rejected deposit notification - Day 18: IRS mailed check - Day 25: Received check in mail So about 3.5 weeks total. But I've heard some people waiting 6+ weeks so don't count on my timeline.

It took the irs 12 WEEKS to send me my check after my direct deposit was rejected. i called them after 8 weeks and they said it hadn't even been processed yet. the system is broken af

Quick tip - update your address on file with USPS if you've moved recently! The IRS will send the check to whatever address is on your tax return, and they don't always process change of address forms quickly. I learned this the hard way and my check got sent back to the IRS adding another month to the process. 😫

have you tried calling the IRS? sometimes they can expedite the process if you explain your situation. Just be prepared to wait on hold for 2+ hours lol

The IRS is SO SLOW with paper checks. I had the EXACT same situation and it took almost 7 weeks to get my check after my bank rejected the direct deposit. The IRS's official answer is 4-6 weeks but in reality it takes longer.

Pro tip from someone who works at a bank: in the future, even if you close your account, if the account number is reused by the bank for a new customer, your refund could end up in a stranger's account! Always triple check your direct deposit info when filing.

just wanna say the irs sucks and i hate them. that is all.

If ur in a serious financial hardship cuz of the delay, u can try contacting the Taxpayer Advocate Service. They might be able to help expedite the process. But they're also backed up so idk how fast they can actually help.

My brother's refund got rejected due to a closed account back in February, and he still hasn't received his check as of May. He's called multiple times and they keep giving him different answers about when it will arrive. So frustrating!

Did you check to see if you can update your banking info on the IRS site? Sometimes if the refund hasnt been processed yet you can change the direct deposit info. Worth a shot!

Same thing happened to me last year and i STILL haven't gotten my refund. the IRS is claiming they sent the check but I never received it. Now I'm stuck in this endless loop of trying to get them to trace the check and reissue it. What a nightmare.

I just went through this in March. Took exactly 4 weeks and 2 days from the date my bank rejected the deposit until I had the check in my mailbox. The "Where's My Refund" tool never updated to show it was being mailed as a check though - it still showed direct deposit pending until after I actually received the check.

I went through this exact situation last year and it was such a stressful waiting game! My bank rejected the direct deposit in late March, and I finally got my check in early May - so about 5-6 weeks total. The hardest part was not knowing what was happening during that time. A few things that helped me get through it: - I called my bank to confirm exactly when they sent the rejection notice back to the IRS - I set up informed delivery with USPS so I could see when mail was coming - I checked the "Where's My Refund" tool obsessively (even though it barely updates) The waiting is brutal when you really need that money, but hang in there! Your check should arrive within the next few weeks. And definitely double-check your address with USPS like someone else mentioned - that's super important to avoid any delivery issues.

I'm going through the exact same thing right now! Filed in early April and just found out yesterday that my bank rejected the deposit because I closed that account in February (totally spaced on updating my info). Reading through all these responses is both helpful and terrifying - sounds like anywhere from 3 weeks to 3+ months depending on how backed up they are. I'm really hoping it's closer to the 4-5 week timeline some people mentioned. I've already signed up for USPS informed delivery based on the suggestions here, and I'm going to try pulling my transcript this weekend to see if I can figure out what's happening. Has anyone had success with the Taxpayer Advocate Service for situations like this? I'm wondering if it's worth trying since I really need this refund for some medical bills that are coming due soon.