IRS Changed My Direct Deposit to Paper Check - Refund Being Mailed November 22, 2024

Just checked my transcript and noticed code 846 with a mail date instead of DD. I put my direct deposit info when I filed but looks like they're sending a check instead? Anyone know why this happens? Getting worried cause I really need this refund asap. I'm looking at my IRS2Go app right now and it says "Your tax refund is scheduled to be mailed by November 22, 2024. If you do not receive the refund by December 20, 2024, please contact us again. We are unable to take any action until then." The app shows all three status boxes checked - "Return Received," "Refund Approved," and "Refund Sent" - but instead of direct deposit, they're mailing a check! I definitely entered my bank info when I filed. The app has that note at the bottom saying "Please Note: For refund information, please continue to check here, or visit IRS.gov/Refunds. Updates to refund status are made no more than once a day." I was counting on having this money in my account ASAP, not waiting for a paper check that could take weeks to arrive. Why would they switch to mailing a check when I specifically requested direct deposit? Has this happened to anyone else? Is there any way to call them and get this changed to direct deposit before they mail it? I have bills due at the beginning of December and was counting on this money.

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20 comments

Ava Johnson

•11M

This happens more often than you think. The IRS sometimes converts direct deposits to paper checks if there are issues with the bank account info or if they detect potential fraud patterns. Common reasons include: closed accounts, incorrect routing/account numbers, or if the name on the tax return doesnt match the bank account. I highly recommend checking out taxr.ai (https://taxr.ai) - it can analyze your transcript and tell you exactly why this happened and when to expect your check. Its saved me hours of trying to decode my transcript and figure out whats going on.

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