04/29/2026
Understanding your CP53E notice
What this notice is about Reference
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.
tools
• Publication 1,
Your Rights as
a Taxpayer
• Notice Topic
What you need to do 651
When you receive the CP53E notice you have 30 days to update or add a new bank
account.
• Notice Topic
653
• Full list of tax
Steps to complete:
forms and
1. Access or establish your online account by visiting your account 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.
instructions
Need help?
• You can
authorize
Note: When your refund is issued, it may be subject to offset if you have other
outstanding liabilities.
someone to
represent you
before the IRS
or inspect
and/or receive
confidential
tax
information.Frequently asked questions
Why do I need to provide a bank account for a direct deposit?
(added Jan. 21, 2026)
Executive Order 14247, mandates the transition to electronic payments for all
Federal disbursements, including tax refunds, except under certain circumstances.
Refer to IRS.gov/modernpayments for more information.
How will I know if my bank account was updated successfully?
(added Jan. 21, 2026)
You will receive a message indicating your bank account update was successful. If
there are any issues with your changes, you will receive an error message. Read all
messages carefully and follow any instructions given promptly.
Can I update my bank account if I callin to the toll-free line?
(added Jan. 21, 2026)
No, you can only update your bank account by accessing your online account. IRS
employees cannot update bank account information. You must access your online
account within 30 days from the date of the CP53E notice in order to receive your
refund via direct deposit.
• You may be
eligible for
free help from
the Taxpayer
Advocate
Service (TAS).
• You may
qualify for
help from a
Low Income
Taxpayer
Clinic.
• If you didn’t
receive a letter
or notice, use
Let us help
you.
What if I added or updated my bank account information, but
made a mistake, can I correct it? (added Jan. 21, 2026)
No, you will only have one opportunity to add or update your bank account using
your online account. If your direct deposit is not accepted by the bank and is
rejected, we will issue a paper check.
What if I don’t have a direct deposit account, how will I get my
refund? (added Jan. 21, 2026)
You may access your online account or contact the customer service toll-free
number for more information. Visit IRS.gov/modernpayments for more on direct
deposit options.
What if I did not respond to the CP53E? (added Jan. 21, 2026)
If you don’t respond to the notice, we will issue a paper check after 6 weeks. For
updates on your refund status, visit Where’s My Refund.Page Last Reviewed or Updated: 23-Jan-2026
