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Returning Member
posted Mar 11, 2021 2:29:16 PM

1099 Int.

I did a rollover of a cd/ira in Feb. 2020, I received a 1099 Int. for Jan. and Feb. 2020 .  Do I report the 1099 Int. on my Turbo Tax?

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5 Replies
Expert Alumni
Mar 11, 2021 2:43:34 PM

Yes. The interest earned on the CD before the rollover is taxable. The form 1099-INT has to be reported on your tax return.

Level 15
Mar 11, 2021 2:46:21 PM

If the CD was in a IRA you do not report the interest.  How did you roll a CD into a IRA?  Did you use the money when the CD matured to make a new IRA contribution?  You get a 1099R for IRA rollovers and distributions.  

Returning Member
Mar 11, 2021 3:09:13 PM

It was a IRA/CD that matured and I rollover to a new IRA/CD at another credit union.  It was a complete rollover , I did not receive any money from the IRA. It was rollover on the same day, from one credit union to another credit union.  That's why I did not no why I was receiving the 1099 Int. for interest for only two months of the year. That's why I was wondering if I have to report the interest on a IRA , when I did not actually receive any money from the IRA. So, I have to pay taxes on this money this year and again when I take this money out of my IRA?

Level 15
Mar 11, 2021 3:13:59 PM

No you do not report interest, dividends or transactions inside a IRA.  Just distributions and rollovers.  I guess if they did a direct rollover you won't get a 1099R for it.  @dmertz   

Level 15
Mar 11, 2021 4:00:14 PM

I suspect that the interest was earned while the money was outside of an IRA during a rollover.  I did such a rollover many years ago myself.  That was before the IRS began treated all of ones IRAs together for the purpose of the one-rollover per 12-months rule.  These days I wouldn't consider doing a distribution and rollover unless absolutely had to.  I now move IRAs by trustee-to-trustee transfer.  With a trustee-to-trustee transfer the funds are never treated as being outside of an IRA, so there is no potential to earn interest outside of the IRA.