How Long After Bank Rejected IRS Refund (And Why)?

How Long After Bank Rejected IRS Refund (And Why)?

Exact Answer: 1 to 3 weeks

The IRS is an abbreviation used to connote the Internal Revenue Service. It is a branch of the US government that oversees the collection of taxes from the citizens of the country. All citizens who earn taxable yearly incomes have to pay a certain percentage of the same as taxes to the government. This money is used for fostering development in the country.

The IRS shoulders the responsibility of curating and maintaining the tax database of the country. Certain expenses made by an individual are eligible for tax rebates or refunds. This refund amount is deposited directly into the individual’s linked bank account by the IRS. However, sometimes due to technical glitches, the refund may be rejected by the recipient’s bank.

How Long After Bank Rejected IRS Refund

How Long After Bank Rejected IRS Refund?

Every tax-paying citizen must link their operative bank accounts with the IRS. Filling taxes in the US requires the provision of all details vis-à-vis the financial standing of the individual. This includes his or her bank account number, and all other related particulars. The general protocol followed by the IRS is that the amount refundable to an individual is directly deposited into the linked bank account.

However, it may so happen that the IRS initiates a refund to the individual’s account, but the transaction is rejected by the recipient bank. In such cases, generally, the refund is once again transferred to the same account within a period of 1 to 3 weeks.

Sometimes if the error is minor, like in instances of misinformation with regard to the bank account details, the refund can be deposited into the account within a week’s time. However, if the issue is quite a complicated and multilayered one, it may take longer for the deposit to arrive.

Moreover, sometimes upon encountering these errors the IRS may decide to mail the cheque to the individual rather than following the direct deposit route. In such cases, the cheque may take longer to arrive by post. It is safe to say that at least a window of 3 weeks is plausible in such instances.

Nonetheless, once you notify the IRS about the rejection of your refund by the bank authorities, the retrial process is initiated instantly. In some cases it happens at a faster pace than others, reaching the individual within 1 week. In some others, it may take up to 3 weeks.

In Summary:

Mode of Retrial Time Taken
Direct Deposit1 week
By Mail3 weeks

Why Does It Take So Long After Bank Rejected IRS Refund?

The IRS handles tax collection, standardization of norms, database management, as well as refund disbursal for the entire country. As a bureaucratic organization, loopholes in management are only too common. Thus, it takes a while to process retrial requests for refunds that are rejected by banks.

Moreover, in case of faulty information being provided by the concerned individual about their account details such dilemmas are quite frequent. In such cases, the individual has to re-verify all the details as well as file numerous applications.

Similarly, if the IRS decides to send the refund cheque by mail the process is again unnecessarily extended. Delays and lags in the postal system affect the total time frame within which an individual can expect the arrival of the deposit.

There are also national holidays that have to be taken into account when discussing the longer time needed for the cheque to arrive by mail. It is also seminal that an individual must file for a change in address if he or she has happened to relocate after filing taxes. In such a case, in the absence of this paperwork, the cheque will be sent to the previous address of the individual.

However, the most prudent approach to minimize these delays will be to initiate the process as soon as you receive a notification about the rejection of the refund by your bank. It is important that the individual launches a complaint with the IRS immediately to locate the root of the issue and thereby ideate a conducive solution to the problem. This will help hasten the process of receiving your refund.


In the contemporary era, income tax returns are directly deposited into the linked bank account of the taxpayer. This route is followed to minimize hassles, automate payment, as well as reduce the possibilities of refund request rejections. However, in the digital world, such refund rejections are also becoming common.

When a refund from the IRS is rejected by an individual’s bank account, it takes the bureau up to 3 weeks to send the individual a mailed cheque that is equivalent to the value of the refunded money. However, sometimes it another direct transfer may be attempted, in such cases, the money reached the individual within a week.


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  4. The inefficiencies of the IRS are quite evident from this article. It’s frustrating that taxpayers have to endure delays and lags in receiving their refunds due to bureaucratic loopholes.

    1. You’re absolutely right, Ashley50. The IRS should strive to streamline their processes for the benefit of taxpayers.

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