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The Daily Insight

What happens if you give your job the wrong routing number?

Author

James Craig

Published Apr 01, 2026

If you wrote the wrong number on your direct deposit form, the bank might detect the issue and refund the money to your employer, or it might reverse the deposit and place it in your correct account. You can face a delay in your pay as a result of this error.

What if I put the wrong routing and accounting number?

If you put in a wrong routing or account for Direct Deposit and your return has been accepted by the IRS, you won’t be able to correct the routing/account number. The IRS will mail you a paper check to the address on your income tax return(s).

Can you change your routing number?

no, routing number wont change, these days it hardly matters with all more and more electronic check clearing. not like the old days when they were physically transporting checks between federal bank offices to your local office.

What happens if I use the wrong routing number but the..?

If you use the wrong routing number, then you are depositing to a completely different bank. How that other bank interprets the account number is up to them, but it is not a “correct” account number in any way, since it’s at the wrong bank.

Why do I need the correct routing number for my tax return?

It is important for taxpayers to double and triple check the routing number input on the tax return so the refund amount gets deposited in the correct account. Omitted numbers in the routing number sequence will cause the direct deposit request to fail the IRS validation check.

How long does it take to get a tax refund if you have the wrong routing number?

It may take anywhere from three to four weeks to receive a paper check from the IRS, according to the Turbo Tax website. Taxpayers that enter the wrong account and routing number may be in jeopardy of losing their entire refund.

What happens if I omit a digit in my IRS routing number?

The IRS handles account or routing number errors the same for both split refunds and regular direct deposits. You omit a digit in the account or routing number of an account and the number doesn’t pass the IRS’s validation check.