Wrong bank info caused refund to bounce back to IRS - how long for paper check?

When your direct deposit is rejected by the bank, the IRS typically issues a paper check within 2-4 weeks. The IRS has to process the returned deposit first, then issue the check, and finally mail it to your address on record. Make sure your mailing address is current with the IRS to avoid further delays. You can check your refund status on the "Where's My Refund" tool on the IRS website - it should update to show they're mailing a check once they process the returned deposit. Unfortunately there's not much you can do to speed up this process, but at least the money isn't lost - it's just delayed.

I literally went through this exact issue just last month. The whole "where's my refund" thing was useless for tracking what was happening. I ended up using taxr.ai and it was a lifesaver. It read through my transcript and told me exactly what was happening with my return and when to expect the check. Apparently when a direct deposit gets returned, there are specific transaction codes on your transcript that the IRS uses. The tool decoded all that for me and gave me a timeline. Saved me hours of researching and stressing. https://taxr.ai

After my return got messed up last year I struggled for WEEKS trying to get through to an actual human at the IRS. Endless hold times, disconnections, the whole nightmare. Finally found Claimyr calling app (claimyr.com) and got connected to an agent who fixed everything in like 10 minutes. They got me through to a real person who actually had the power to help! Talking to the agent got my refund released way faster than waiting for the automated system to figure it out. Best money I've ever spent to finally get my questions answered.

When this happened to me last year, it took about 3 weeks to get the paper check. The most annoying part was that the WMR tool kept showing the old status for a while before it updated. Keep an eye on your mail because sometimes the check arrives before the tracking even updates.

Make sure your address is correct on your tax return! My roomate had this happen and the check got sent to her old address because she forgot to update it when she filed. She had to wait even longer for them to send a replacement check. Double check your address on the return you filed this year or log into your IRS account to verify.

The IRS is such a clown show 🤡 Why can't they just get this stuff right the first time? They expect us to be perfect on our returns but then they can't even handle basic direct deposits correctly.

Pro tip: Call the IRS early in the morning right when they open (7am Eastern Time) to get through faster. Ask them to expedite your check if you're facing financial hardship. Sometimes they can flag it for faster processing. I've had luck with this before. Be super nice to the agent too - they deal with angry people all day and are more likely to help if you're pleasant.

My experience: Direct deposit rejected on March 5th. IRS mailed check on March 24th. Received check on April 2nd. So about 4 weeks total from rejection to check in hand. Hope that helps give you a timeline.

i work at a tax office and we see this ALL THE TIME. usually takes 3-5 weeks for the paper check. the irs is super backed up this year so don't be surprised if it takes the full 5 weeks. so frustrating i know. the system is archaic af.

I hate to be the bearer of bad news but when this happened to me in 2023 it took 2 MONTHS to get the check. But that was during the pandemic backup. Hopefully yours will be faster.

If you're really in a bind waiting for the money, you might consider getting a Tax Refund Advance Loan from a place like H&R Block or Liberty Tax. They basically loan you the money based on your expected refund. The interest rates aren't great but if you really need the cash now it's an option.

Same thing happened to my wife back in Febuary. Took exactly 19 days from when it bounced back to when we got the paper check. Not too bad considering how slow the IRS usually is with everything else lol

YOU NEED TO CALL THE IRS ASAP!!! Don't just wait around! Sometimes if you don't call them, they won't even process the paper check automatically. PLEASE CALL THEM NOW!!!

Here's a detailed breakdown from my experience with the IRS check reissue process after a returned direct deposit: • Day 1-5: Bank rejects deposit and notifies IRS • Day 5-10: IRS processes the returned deposit • Day 10-15: IRS schedules paper check for printing • Day 15-20: Check is printed and mailed • Day 20-25: Check arrives in mail So typically 3-4 weeks total. But I've seen it happen faster. Your transcript will show code 841 when the direct deposit failed and code 846 with a new date when the check is scheduled. Check your transcript on the IRS website to see exactly what's happening - or use taxr.ai as others suggested if you want it explained in plain English.

Have you contacted your bank again to double-check they have the correct info on their end? Sometimes banks will claim it's an "incorrect account number" when really it's another issue on their end. Just making sure you're covering all bases before settling in for the long wait.

omg im in the EXACT same boat right now!! its so frustrating. my refund was big this year (~$4800) and i was counting on it for some car repairs. my tax guy also messed up my bank info somehow. following this thread for advice 👀

I went through this exact same situation last year! My bank rejected my refund due to a closed account I forgot to update. Here's what actually happened with my timeline: Week 1: Bank rejected the deposit (found out when I called them) Week 2: IRS processed the returned deposit (saw this on my transcript as code 841) Week 3: Check was issued and mailed (code 846 appeared with new date) Week 4: Check arrived in my mailbox So about 4 weeks total, which was actually faster than I expected. The key thing is to monitor your transcript rather than relying on Where's My Refund - that tool is pretty useless once there's an issue. You can access your transcript through the IRS website (you'll need to verify your identity with ID.me first). Don't stress too much - the money isn't lost, it's just delayed. The IRS automatically processes paper checks when direct deposits are rejected, so you don't need to call them unless it's been over 6 weeks. Hang in there!

This exact thing happened to me two years ago! My bank rejected the deposit because I had switched to a new account but forgot to update my direct deposit info with my tax preparer. The whole process took about 3.5 weeks from rejection to receiving the paper check. Here's what I learned: The IRS "Where's My Refund" tool is pretty much useless once there's a hiccup like this. It kept showing the old direct deposit status for almost 2 weeks after my bank had already rejected it. The most accurate way to track what's happening is through your tax transcript on the IRS website - you'll see specific codes that show when the deposit was returned and when they issue the replacement check. In the meantime, if you're really strapped for cash, you might want to look into whether any of your bill companies offer payment extensions or grace periods. Most utilities and credit card companies will work with you if you explain the situation. It's way better than paying late fees while you wait for the IRS to get their act together! The silver lining is that once you get through this, you'll definitely double-check your banking info next year. I know I do now! Hang in there - the money is coming, just slower than expected.