Hi Sajst, I hope your day is going well.
Unfortunately, the IRS considers Interest taxable once placed in your account and available to you without penalty. Once this happens, the interest must be reported on your tax return.
https://www.irs.gov/taxtopics/tc403
If the company files bankruptcy and owes you money this would be considered personal bad debt. Personal Bad debt is usually reported on Schedule A as miscellaneous itemized deduction. Unfortunately, miscellaneous itemized deductions have been suspended until year 2025 and you would not be able to claim the bad debt.
