What are the major IRS changes for the 2026 tax season?

Introduction

‍Tax season is officially here, and along with it comes a series of important IRS updates that will affect how refunds are issued and tracked for the 2026 filing season.

While the overall filing process remains largely the same, the IRS is beginning a multi year transition focused on modernizing refund delivery and encouraging direct deposit over paper checks. These changes introduce new notices, additional action steps for some taxpayers, and the possibility of longer refund timelines.

At TaxPro Consult and Bookkeeping Services, we help taxpayers in Charlotte, NC, and across the U.S. understand what these changes mean and how to avoid unnecessary delays.

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New IRS refund process starting this tax season

Taxpayers can still request refunds by paper check. However, the IRS has implemented a new system designed to promote direct deposit and improve transparency around refund status.

This new process includes additional notices, online account prompts, and refund holding periods for certain situations.

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Electronic filers without banking information

If you file your tax return electronically but do not include direct deposit information:

• Your return will still be accepted
• Your return will still be processed
• You will receive a prompt asking you to provide banking information

This is not a rejection of your return. It is an extra step before your refund is released.

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New IRS notice CP53

For the 2026 tax season, some taxpayers may receive a CP53 notice from the IRS.

This notice requests a response within 30 days, asking for one of the following:

• Banking information for direct deposit
• A written explanation, also called a waiver, explaining why direct deposit cannot be used

Taxpayers can submit this information through their IRS Individual Online Account on IRS.gov, which is the fastest way to respond.

“Where’s My Refund?” will show new messages

The IRS refund tracking tool now includes additional messaging related to:

• Missing banking information
• CP53 notice requirements
• Direct deposit status

These updates provide more real-time visibility into refund processing and help explain delays.

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Refunds may be held for up to six weeks

One of the most important changes this season involves refund timing.

After a return is fully processed, the IRS may hold refunds for up to six weeks while waiting for taxpayer action.

What happens next depends on the response:

If banking information is provided

The refund will be released by direct deposit shortly after the information is submitted.

If a waiver is filed

A paper check refund will be issued.

If no action is taken

After six weeks with no response, the IRS will automatically issue a paper verification.

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Tax payments remain unchanged

These updates apply only to refunds, not payments.

Taxpayers can still make tax payments by:

• Paper check
• Electronic payment methods through the IRS

There are no changes to how taxes are paid.

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What to expect after this filing season

The IRS has confirmed that this is the beginning of a broader modernization effort. Additional guidance and system updates are expected later in the year as the transition continues.

Taxpayers should expect ongoing changes aimed at improving digital communication and refund processing.

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How taxpayers can prepare now

To avoid refund delays and confusion, taxpayers should consider taking the following steps:

• Set up or log into an IRS Individual Online Account
• Confirm that banking information is accurate and current
• Watch closely for CP53 notices after filing
• Expect longer processing times when choosing paper check refunds

Being prepared can help refunds move more smoothly.

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DISCLAIMER, TaxPro Consult and Bookkeeping Services

This article is for general education only. It does not constitute tax, legal, or accounting advice. Regulations change, and individual situations differ. You should consult a qualified tax professional who can review your specific circumstances. TaxPro Consult and Bookkeeping Services is not acting as your tax preparer or tax advisor in this content.

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Need help navigating IRS changes this tax season?

If you are located in Charlotte, NC, or anywhere in the U.S., our team at TaxPro Consult and Bookkeeping Services can help you file with confidence and avoid refund delays.

Contact us or schedule a consultation to get personalized guidance.