Tax Return Information

During tax season, many members are eager to receive their refund by check or direct deposit. Most of the time, it’s simply a matter of waiting a few extra days. However, in some situations, issues may arise. Below are some common scenarios and the steps you can take.

If you believe your tax refund check has been lost or stolen, visit the [IRS “Where’s My Refund” tool] or call 800-829-1954. The tool will provide your refund status and, in some cases, instructions on how to resolve delivery issues. Status updates are typically available:

  • 72 hours after the IRS acknowledges receipt of an e-filed return

  • 3–4 weeks after mailing a paper return

If you owe past-due amounts such as state income tax, child support, or delinquent federal debts (like student loans), a portion or all your refund may be withheld. The Treasury Department’s Financial Management Service (FMS) will automatically deduct these amounts before issuing the remainder of your refund. You will receive a letter explaining:

  • The amount withheld

  • The agency receiving the payment

  • Contact information for the agency

If you wish to dispute the debt, you must contact the listed agency directly.


If you believe the IRS made an error (such as an incorrect refund amount or no refund issued), call 800-829-1040. The IRS will work directly with you to correct their errors. Please note: the credit union cannot resolve IRS mistakes.

The IRS reminds filers to carefully enter their account and routing numbers when selecting direct deposit. Mistakes can cause:

  • Delays, resulting in a paper check instead of a deposit

  • Funds deposited into someone else’s account if incorrect numbers are valid

If this happens, you may need to work directly with the credit union to recover the funds.








 

FAQ: 

 

What happens if my refund is applied to a delinquent account or debt?


If you have unpaid debts such as state taxes, child support, or federal loans, a portion or all your refund may be used to satisfy those obligations. You will receive a notice from the agency explaining the amount withheld, the recipient agency, and contact information. If you believe this is incorrect, you must contact the agency directly to resolve the issue.