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Level 3

Is an ACH payment considered a “commercial payment” by IRS

        
   Topic No. 206 Dishonored Payments | Internal Revenue Service (irs.gov) 

On my IRS e-file, I entered an incorrect ACH routing number, and the return was accepted. I made the same mistake with my state taxes, but that was resolved.

The IRS payment still showed up on irs.gov/account, so I called the IRS Payment Services at [phone number removed], but they weren’t able to help.   I logged into irs.gov/account and submitted a new payment for TY2021, and saw the withdrawal the next day.

Topic 206 says there can be a 2% penalty for a dishonored check over $1,250.  Of course, my bank did not dishonor the payment because they never received it due to the wrong routing number.