Is the postmark date conisdered deposit date for Traditional IRA contribution

[caleb24me]

What constitutes the Traditional IRA contribution date? A postmark for a personal check mailed before 4/18/23, or the date it is entered into the account before the deadline? v/r Thank you for the help.

[dmertz]

This is a question for your traditional IRA custodian.  They are the ones who determine whether or not they will accept the contribution as a contribution for the prior year.

[fanfare]

typically your check must arrive on a business day before tax day.

preferably more than one business day.

postmark date does not count.

@caleb24me 

[fanfare]

you should file form 4868 and wait.

if it goes to the wrong year, you would have to amend your filed 2022 tax return.

@caleb24me