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CP53C notice: what it means and what to do
Got an IRS CP53C notice? Here is what it means, your deadline, what to check before you answer, and how to reply. Check your own letter free: it stays on your phone.
Check my CP53C notice freeWhat the IRS says this notice is about
We tried to direct deposit your refund, but the financial institution couldn’t process it. We’re researching your account for the next steps.
What you need to do
You don’t need to do anything at this time.
Your deadline
Answer by the date printed on your notice. If there is no date, answer as soon as you can, and call the number on the notice if you need more time.
What to check before you answer
Is this letter really from the IRS?
The IRS writes first by mail. A real letter shows a notice or letter number, your name and part of your tax ID number. The IRS does not ask for payment by gift card, crypto or wire transfer. If in doubt, sign in to your IRS online account, where many notices are listed.
You may want to
- Call us at the number on your notice if you don’t receive your refund check or a follow-up letter within 10 weeks
- Monitor your financial accounts
Common questions
Why was my direct deposit refund returned to the IRS? (Updated January 15, 2025)
A financial institution will reject a refund for a variety of reasons. Most often, the personal information on the direct deposit doesn’t match its records:
- Name
- Social Security number
- Routing number
- Account number
Why will it take up to 10 weeks to receive my refund? (Updated January 15, 2025)
We must research your account to determine if you should get the refund. We try to balance customer service and tax compliance by reviewing tax returns to prevent fraudulent or incorrect refunds. These critical reviews take time. The following also affect time frames:
- Bankruptcy
- An open audit
- A balance due on a related account (such as a different tax year)
Will calling the IRS give me additional information or speed my refund? (Updated January 15, 2025)
No, calling us won’t speed up your refund. You don’t need to call us unless we send you a letter asking you to contact us. Our telephone assistors won’t be able to provide any additional information.
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