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Returning Member
posted Jun 6, 2019 3:09:04 AM

I have 3 accounts with my bank none of which have earned more than $10n interest during 2016.

The bank informs me they do not need to send me a 1099-INT because of the new IRS rules. Do I not enter this interest on my tax form?

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1 Best answer
Level 7
Jun 6, 2019 3:09:05 AM

FYI, the iRS rules they are referring to are not new.  The $10 limit has been in effect for as long as I remember and I've been doing this for over 45 years.

That being said, if you are required to file a Federal income tax return, you are required to include all taxable income whether or not the payer has to send you a form reporting it to you and the IRS. 

4 Replies
Level 7
Jun 6, 2019 3:09:05 AM

FYI, the iRS rules they are referring to are not new.  The $10 limit has been in effect for as long as I remember and I've been doing this for over 45 years.

That being said, if you are required to file a Federal income tax return, you are required to include all taxable income whether or not the payer has to send you a form reporting it to you and the IRS. 

Returning Member
Jun 6, 2019 3:09:07 AM

The three accounts do not individually have interest income greater than $10 but the sum of the interest from all there accounts is greater than $10. Do I enter each account on a separate line for the bank or just enter the (greater than $10) value for the sum of the accounts as a single entry for the bank ?

Level 7
Jun 6, 2019 3:09:08 AM

Either way will be fine.  The IRS only requires a complete Schedule B if your total interest and/or dividends exceeds $1,500.

Returning Member
Jun 6, 2019 3:09:10 AM

Thanks