Why did I get a CP 53E when I paid you guys to do the job?

[Michaellfair50]

I don’t understand I gave you my card number. You have my banking information but yet you expect me to still do this to the IRS which is horse crap because that site sucks you can’t even get through to them.

[DoninGA]

If you requested to receive the refund by having the IRS mail a refund check or the bank information you entered for direct deposit was incorrect, the IRS sends you a CP53E notice.

Follow the instructions in the notice to have the refund direct deposited into your account.

IRS website for CP53E notice - https://www.irs.gov/individuals/understanding-your-cp53e-notice

[MonikaK1]

The IRS CP 53E notice gives you 30 days to update or add a new bank account. 

Steps to complete:

1. Access or establish your online account by visiting your account (IRS Online Account for Individuals) to add or update your bank account information.
2. Upon successfully completing the process, allow 2-5 days for your refund information to update online, use the Where’s My Refund tool to check your refund status.
3. If you encounter any systemic issues that prevent you from updating your bank account information, read the message carefully and try again later.

Note: When your refund is issued, it may be subject to offset if you have other outstanding liabilities.

A recent Executive Order 14247 led to changes in the direct deposit options you now have available. The new direct deposit change will allow individual taxpayers to provide us with a new or updated bank account to receive their tax refund via direct deposit if certain conditions are met.

Executive Order 14247, "Modernizing Payments To and From America's Bank Account," signed on March 25, 2025, mandates a transition to fully electronic federal payments and collections. Starting September 30, 2025, the U.S. Treasury will phase out paper checks for tax refunds, Social Security, and other benefits to reduce fraud, cut costs, and increase efficiency.

[Mike9241]

Evidently, the IRS tried to do a direct deposit, but something was wrong with the information you provided  - routing or account number or both. Some banks use a different routing number for deposits than for checks. if you are unsure, call them.  The POTUS signed an EO in 9/25, that required the IRS to make refunds only by direct deposit. Eventually, payments will have to be made by direct debit