So it appears the best option for future direct debit or credit from IRS is to switch account from Credit union to a BANK.
Be that as it may, for no fault of mine, I ended up paying the penalty of $100.29...
- TurboTax did not inform IRS about the type of account (since there is no mention of it on the return). How can I pass on/claim the penalty to Turbo tax?
- Per Credit union IRS claimed it as Savings, so dishonored it, it was not prudent/negligent to cross check the type and account number to confirm
- IRS penalized the tax payer for just 1 day delay. Had I chosen paper filing and attached the check of Checking account and mailed it on 4/18/2022, my checking account would have been debited after a week or so
Alternately, I will state all the above to IRS and file Form 843 for abatement, let us see.
