IRS Letter CP53E

[sckaymon]

I had my refund rolled over to offset 2026 taxes, so I am not getting a refund issued. I have received IRS Letter CP53E requesting my bank account. Is my refund being applied to 2026 or not? I have a bank account registered with the IRS.

[LaShaunA3 · Accepted solution]

If you elected to apply your refund to 2026 estimated taxes, it should be credited forward instead of refunded. IRS Notice CP53E usually means the IRS couldn't issue a direct deposit and is requesting updated bank information. Review your filed return (Form 1040, Line for “Amount applied to 2026 estimated tax”)  to confirm how it was processed. If the return shows it was applied forward, you shouldn't need to provide bank information unless the IRS has adjusted your return.

[sckaymon]

Thanks for your reply. That said, the IRS has bank accounts listed in my profile. Yet they say there are no accounts. Another strange thing is that they are saying there is zero refund due when there is. Not sure what to do about that.

[CatinaT1]

You will need to contact the IRS for information. It might be easiest to set up an account with them.

IRS Individual Online Account  

• Taxpayers with a Social Security number or an Individual Taxpayer Identification Number can create or access their IRS Individual Online Account to get information they need to file their return.
• With an IRS Individual Online Account, people can:
• View balance owed, payment history and schedule payments.
• Cancel scheduled payments.
• Get transcripts.
• View or create payment plans.
• See digital copies of some IRS notices.
• View key data from their most recently filed tax return, including adjusted gross income.
• Validate bank accounts and save multiple accounts, eliminating the need to re-enter bank account information every time they make a payment.
• View, approve and electronically sign power of attorney and tax information authorizations from their tax professional.