Optima Tax Relief’s Chief Tax Officer and Lead Tax Attorney, Phil, answers one of the most common questions taxpayers ask every year: “Where’s my refund?” The answer depends on how you chose to receive it.
Direct Deposit vs. Paper Check
The first thing to consider is whether you requested your refund by direct deposit or paper check. Taxpayers who choose direct deposit typically receive their refunds faster, while those waiting for a paper check may encounter additional steps this year.
Watch for Notice CP53E
As part of a broader push toward digital payments — driven by Executive Order 14247 — the IRS has largely phased out paper refund checks starting with the 2026 filing season. If you didn’t include direct deposit information on your return, or if your bank rejected the deposit, the IRS will temporarily freeze your refund and send you Notice CP53E. This notice gives you 30 days to log into your IRS Online Account and add or update your banking information. It’s legitimate, not a scam — but always go directly to IRS.gov rather than clicking links in the letter, as fraudsters are sending fake versions.
What Happens If You Don’t Respond?
If you don’t provide banking information, the IRS will issue a paper check approximately six weeks from the date of filing. Note that you only get one chance to add or update your bank account information, so double-check your details before submitting.
The Bottom Line
If you’re wondering where your refund is, the answer may depend on whether you’ve responded to IRS requests for direct deposit information. Taking advantage of electronic refunds can help speed up the process and get your money in your hands sooner.
If you need a paper check — say, because you don’t have a bank account — you can request a waiver through your IRS Online Account or by calling 1-800-829-1040. Requesting within the 30-day window will get your check to you faster than simply not responding.
If you need tax help, contact us today for a Free Consultation