It depends on whether you have filed yet or not. If you haven’t filed yet and need to change your bank account for your tax refund direct deposit, simply provide the IRS with your updated bank account and routing numbers when you file.

If you have filed and need to change your bank account for your tax refund direct deposit, you may have to wait for the bank to reject the direct deposit. From there, the IRS may send you a paper check or a CP53E Notice. This indicates that the IRS cannot issue your refund via direct deposit due to missing or inaccurate bank information, and is requesting updated information.

Whether you received a CP53E Notice and don’t know how to respond or you need help setting up direct deposit for your new bank account, your local Jackson Hewitt Tax Pro is here to help all year long. Find tax services near you, then walk in or book now.

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Sharon Brucker, CPA Senior Tax Research Analyst Published on: August 21, 2026
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*This content is for general informational purposes only. It is not intended to be comprehensive and should not be construed as professional tax or financial advice for any specific individual tax situation. Taxpayers should always consult a qualified professional for individual guidance. This information constitutes a solicitation under the Treasury Department's Circular 230. Most offices are independently owned and operated.