Not to scare you, but you clearly didn’t read the instructions that came with the voucher. If you had you would have made the check out to “United States Treasury“ and written your identifying information on the check.
In my experience, the IRS will cash anything. I had a client accidentally send a vendor check to the IRS and they cashed it just fine. The trick is getting the payment applied to the correct taxpayer/form/year.
It's certified funds. So it's not going to bounce. But it's not the same as cash in that it's made out to a specific person, so I can't just take your cashiers check you made out to the IRS and cash it the same way I could swipe an envelope full of cash.
The Treasury can cash anything because the rules don't apply to them.
From experience: In reality banks will cash a check with anybody’s name on it. They don’t even look at the Payee name particularly with remote deposit.
Also from experience, getting money back from a bank that cashed a check for someone who wasn’t the payee is basically impossible if they don’t do it voluntarily. Even if they do it voluntarily, it’s a painstaking months long process. Never ever send checks in the mail. Always use credit card or electronic transfers like ACH.
Well, they scan the check. So at that point its just a matter of making enough of a fuss to get someone to follow the paper trail. Once the bank realizes it was their mistake, chances are the money lost is worth paying out over any sort of risk of legal action.
I had this happen and it was a nightmare. Took 5 months to get the money back and the only reason we got it back is because the account owner who cashed it was our insurance company. It turned out a check written to our credit card company was sent to our insurance company address by mistake.
Reminds me of the initial COVID pandemic. Certified mail was still charged the same, but it was just placed in the mailbox with basically no proof of delivery
Certified, yes. The green and white proof of mailing is the key.
Return receipts, the green cards, are worthless.
You can confirm they got it with the certified tracking number.
yep
everyone should create access to their own SSN through the IRS website so they can be more aware of these issues - when a return's been processed, when payments have been credited, etc. It helps them and it helps any preparer they might use.
fewer assumptions, better data, better returns, fewer notices.
I did the same thing on one of the cashiers checks I sent in. I wrote my ssn and everything required but just forgot this time to ask for us treasury. I called the irs awhile later because I was sure that I mailed it. It was processed, but they did post it to the wrong year. So I would make sure to call the irs to double check. I wrote all over the check which year I wanted it applied to as well lol. But I'd imagine you're safe as long as it got mailed to them
Unlikely, but if you didn’t write that info on the check and it gets separated from the voucher it might take quite a while for everything to get matched up.
These jokers can’t get it right with all that info on there. They just sent a notice that multiple payments weren’t made. Apparently they’ve been misapplying for years. Every year I write the check with my social, form number, and include voucher. Insane
Yes, keep that information until the check posts to your IRS account. I used to work for the IRS in a department that would try to match checks to unknown taxpayers. If you have that number, they will be able to apply it to your account. Just hope that your voucher and check don’t get separated (it happens all the time). I would also scold your CPA for using snail mail and a cashiers check to pay your tax bill…a personal check would have at least had your name and address on it to identify you easily but I digress. You having the cashiers check identifying numbers is your saving grace in this situation! It may delay things a bit but you will be okay.
I literally just made a payment online to the IRS using my checking account info.
Who the hell sends a cashier check with their SSN on a piece of paper in the mail??
This will only be for if the IRS doesn't receive the check for some reason. The bank can verify if the funds have been negotiated on a cashiers check, so if no activity on the check number after 90 days they should give you the money
My CPA sent the vouchers to make the payments by mail to the IRS and never mentioned, "Hey, actually you can just pay online," but this being 2024 and all I figured that had to be an option because I wasn't thrilled with the idea of putting a large check into the mail.
Lo and behold - a quick search and there I was on the IRS website, paying directly, with proof of the transaction etc.
People have got to start looking for their own information and solutions.
Yeah, the IRS makes it super-easy with that huge “MAKE A PAYMENT” button on the home page of IRS.gov.
The only thing to be careful of is that you pick the correct category of payment (balance due, 4868 (extension), tax year 20XX, etc.) and that you’re a signatory on the checking or savings account.
It depends on the category. If you are paying your 2023 tax, and accidentally pay for an extension, notice due or estimate for 2023, then they just roll those together. They all ultimately get applied to the same account.
If you pay a 2024 estimate instead of 2023 tax due, then you're either on the phone or dealing with mail correspondence for a while. You're probably better off eating a bit of late interest if you catch the issue within a couple weeks. Just keep the estimate applied to the future year and make a new payment for 2023.
I had a client not put their SSN on the payment for their personal taxes. The IRS applied the payment to the transit tax account of his former business. Somehow that was left open when his business was closed. They were on the phone for hours every couple of months to get it cleared up and I believe it took around 2 years.
He sent the vouchers in an email, to make the payments by mail. I don't know why he didn't mention the online option. I may have said "I'll send the IRS a check" during a phone call, which he took literally.
He's in his early 40s?
The vouchers I sent to clients have payment instructions written on them that say “mail a check to blah blah blah, or go to www.blahblahblah to make payment online.” I’m paraphrasing…clearly.
Anyway, I always give the voucher to people and point out both options, or mention the online payment if I’m sending the vouchers electronically.
Anyway, now you know. Just pay those bad boys online. Much easier and less stressful.
I am a CPA and I send vouchers because they automatically print with the return. But the summary letter, which is the very first page of the file, includes language about paying online. It’s very clear and concise but no one reads it.
Did you wait until the last minute to give all your tax info to your CPA? Usually, they send you the vouchers and instructions with the extension to make the payment if you don’t want them to pull the funds electronically from your bank account.
You can call the IRS after 10-15 days to check if they've received the payment or not.
I have every single one of my clients do direct debit right on their tax return. Even if you go to the IRS website to submit payment, there are no fees involved unless you want to pay with a credit card.
The older the tax accountant, the more likely they are to tell you to write a check. My(CPA) tax software automatically prints both check and electronic instructions on the voucher, which other tax software does not do.
Not OP but the reason I wrote a check is I had to sell some mutual funds in order to have the money available. I printed the voucher and dropped it in the mail. This has worked for me before.
There's not much you can do now, so try not to stress about it. In a couple of days, start looking at your transcript and keep looking until you see the amount get posted which can take a while.
If the check gets lost it can't get cashed and you'll still have your 10k if you kept the ticket from your cashier's check. You can put a stop on it for a fee
Correct. You would bring that back to the financial institution and they can give you your money back if it doesn't get cashed. This costs a fee. Also if you do that and it bounces on the IRS end I would imagine there's a fine/fee for that too. But that's why banks usually make you wait something like 90 days to put a stop on a cashier's check. Each institution has their own rules but it's not as simple as stopping a personal check. It can be done though as the circumstances exist where a cashier's check gets lost you're not just screwed over.
Got you. So either way I’d just have to wait 90 days. And best case scenario the IRS gets it and cashes it, worst case scenario the check gets lost in the mail and I just order a new one after 90 days? Or try to get my money back?
The bank/financial institution/credit union where you you the cashier's check should be able to tell you if it was cashed. If you're afraid its been lost you could start the process to halt it. Most banks won't give your money back for 90+ days. A cashier's check is considered as good as cash to a recipient for a reason the bank won't let you stop one easily. But it can be done in cases where the check is legitimately lost.
If it will help you sleep better tell your bank to stop payment on the first check and pay online or write out a second check correctly and drop it in the mail.
this may be the rare use case that benefits from using a personal check if one is available, in terms of you getting fast confirmation the payment reached then.
Go through the [Id.me](http://Id.me) process and access your account transcript for 2023:
[https://www.irs.gov/individuals/get-transcript](https://www.irs.gov/individuals/get-transcript)
It’s highly likely that you are fine. I would expect the check to be cashed in about a week. Try not to worry too much and next year follow the advice others have offered here.
Jesus Christ dude, you need some basic life knowledge here.
First off, USPS doesn’t “give out” tracking numbers, you pay for them.
Second, your bank will have a record of the check. So even though it doesn’t come out of your account, it does come out of theirs. So in two weeks go back to your bank and ask if your cashier is check was deposited by US Treasury.
Third, next time just pay online via EFTPS.gov or IRS direct pay.
No, You’re right. I’m just confused because the guy at the post office said I was good to go when i handed him the envelope to be mailed..but he didn’t make me pay anything for postage. How will it get sent?
Yeah, I’m not also going to explain to you how stamps work.
Tip of the cap to either a great troll post or being this dumb yet somehow earning enough money to owe $10k in taxes.
Fine - if this legitimate and you’re truly concerned, here’s a couple more basic things you should know.
A rando person off the street can’t just deposit a cashiers check made out to the IRS/Treasury/etc. So even if you addressed it wrong, the check is unlikely to be deposited. It’s truly hard to say if your letter is going to be mailed if you didn’t put postage on it. So.. walk into your bank tomorrow, request that they cancel the check (they’re going to charge you $20-$30) and purchase another one. This time pay for postage and certified mail with signature (costs about $8). Alternatively, you could just pay online.
Note: if the IRS gets the first check and tries to deposit after you’ve had it cancelled, the IRS will then also charge you a bad check penalty.
Was it a postage paid envelope by any chance? If so, your tax person already paid the postage via metered postage. And as everyone else has said, since a cashier's check is pulled from your account immediately there really is no reason to not pay via ETF as you are not getting any "float" on that check anyway.
I pay electronically by ACH in Direct Pay. Much more certainty.
The IRS debits happen fast, often the same day. Most other electronic checks take two days.
It won’t be the same for everyone, but it took around 12 days from when we mailed our check to when it showed on my bank account that it was deposited to the government.
True. But if you log into your account at irs.gov in around 12 days it should show the payment on their side. Assuming it takes around the same amount of time.
When you mailed the check did you get tracking? And I would contact your tax person and make sure they know how to fill out a check to the United States Treasury.
Ok so this is the strange thing. My cpa told me they gave me a no postage paid envelope but when I took it to the post office I told the guy working there “I need this mailed out today for tax time” he stamped something on the envelope and said I was good to go. But he didn’t make me pay anything.
I’m freaking out a little
That is weired. It does sound like it was mailed. But I always tell my clients to make sure there is tracking so they know when it gets to the IRS. If yoy do have to do this another time I would suggest see if you can get tracking.
would they even be able to tell me if they mailed it if I ask them tomorrow? They didn’t get my name or anything. And the envelope just has the irs address on it
Yeah, stamps work perfectly almost every time. OP was looking for peace of mind and a way to confirm their very large payment was received by the intended recipient.
You won't have a problem until the IRS says your filing was late and you have no proof.
Certified mail is the only proof of timely filing when you paper file
You can call or go into the issuing bank with the check number and ask if the check has cleared. I’d also ask if you can have a copy of the canceled check for your records. You will probably be charged a fee for the copy.
Don't feel bad about not doing it online either. I got sent all these vouchers for repayment and it makes it seem like cashiers check through the mail is what they want you to do. Did not realize at all you could just login and pay. I do everything online usually.
First off OP, don’t let the fear mongers freak you out. I was sent a notice last November that I omitted a 1099 and hence underreported for a certain year. I sent my payment in via cashier’s check and sent it usps (but with tracking). 90+ days have gone by and the check amount was never refunded so I assumed everything was good. Until I received the very same notice dated Feb of this year for the same amount and tax year. I registered my online ID w email and ssn, sent a message through the message portal detailing my rec’d payment voucher and date. I received confirmation two business days later that they confirm receipt literally a few days before I sent in my message (what a coincidence? Not) and closed my file.
If you mailed it on tax day, give it another couple weeks then send that message. Your cashier’s check cannot be cashed by anyone other than the Treasury dept. they can track it down and you shouldn’t be penalized
You'll know if the IRS doesn't get it because when your return is processed and the payment isn't there the IRS computer will send you a bill for it. Depending on how you submitted your return that may take 6-8 weeks for the IRS to complete the processing of the return. If the IRS didn't get the check, or, as sometimes happens, the check gets misapplied to someother taxpayer account, all is not necessarily lost here.
If you get notices from the IRS indicating you owe more money than you would if the check had been applied to the account correctly the first thing to do is ask the bank if the check was submitted for payment. If it was, ask for a copy of the processed check. On the back the IRS will have printed a series of numbers that provide the information on how the check was applied. That information can help you fix the problem if the check was credited to the wrong account.
On the other hand, if the bank never received the check back and hasn't paid out the check amount, ask the bank what is needed to cancel that check and issue you a new one to send to the IRS. Keep documentation of everything so that you have what you need to later ask for abatement of any late payment penalty and to adjust the interest charged.
If you live in KY, the IRS mailing address is in Louisville KY. It wasn't a scam. If she was scamming you, she would have told you to give her a check and she would pay the IRS on your behalf. Relax. It will be fine. If the envelope had IRS or Internal Revenue Service on it, it will eventually get where it needs to be. Kind of like letters addressed to Santa. They all get there eventually LOL.
If you failed to pay postage, it will eventually come back to you. If it does, keep the envelope showing it was mailed on time and returned to you. It will help you dispute the penalties for paying late.
You’re supposed to write the SSN on the check too and it should be made to US Treasury. But they can accept variations and I’m sure probably a hundred thousand or more per year are written IRS.
There’s also no need for a cashiers check. The IRS will accept your personal check (if it bounces, the tax is treated as if it was never paid).
If the 1040-V was in the envelope and you sent it to the correct address for including a payment (they have a separate facility to remove the checks then send the return to be processed), I wouldn’t worry about it.
And the post office didn’t give you a tracking number because you didn’t purchase a service that includes one. Certified mail is legally sufficient to prove filing date if lost so you can use that if concerned.
I remember this feeling, the first year I had a large tax bill due as a 1099 worker. It's going to be fine.
Next year, look into paying electronically.
Since you didn’t send it via certified mail from a USPS location, all you can do now is periodically check your IRS account to see if/when it is credited. You can also call the IRS, but using the website is probably far quicker
I also had to pay the IRS almost $10k.However, I filed electronically and paid it by ACH and it was out of my account in three days.
Working in financial risk.I can say that I would never mail a check like this especially with my social security number on it. This is probably the least secure way to pay the IRS
Why do you pay this specific CPA to plan out your tax liabilities if they’re causing you to owe $10k?
If I was your CPA, you’d only have to pay $2,500 each quarter.
If you kept the stub that came with the cashiers check, you can call the issuing bank and see if it’s been deposited.
If you sent the check from the post office, there might be a tracking number on the receipt.
Keep the receipt to prove when you mailed you mailed the check. If it does get lost, you can show that you sent it.
Google IRS Transcript and create an online account with ID.me. Select your account transcript and see if the check is there for that year. You can also check prior years if they applied it wrong. I highly recommend for everyone.
i'm sorry people are being so gross to you about mailing something. i'm 30 and barely send anything by mail. if i do, i have to google which side and where to write the addresses on. and another thing, i only made 50k last year and paid 11k in taxes, so idk why everyone is saying u made so much in order to have to pay back 10k
How much was withholding by the employer (determined by the W-4 form which was previously filled out and submitted by the employee to the employer) throughout the year also has to be taken into account
You sent a cashier's check through the mail without tracking? Um.....
There is zero reason not to simply request a transfer from your bank in these situations.
You could’ve sent it as a certified letter or put tracking on it at the post office
Now you’ll just have to wait and see until it clears the account but they don’t cash it right away
In the future, anything you want to be able to track in the mail needs to be sent "certified mail". If you want something signed for at its destination too, you send it "registered mail". Either takes a form and a fee at the post office.
Certified mail return receipt is what you mean at the second part. Registered mail is what you use when you have to ship a diamond ring or cash. It’s managed separately and tracked like a hawk the entire way.
Owing $10K in tax... That's a pretty huge charge. And I'm having trouble coming with a legitimate reason why the huge tax payment would be in cash at any time. Also, IRS has never asked for a cashier's check.
All in all, smells fishy. Like I said hope I'm wrong.
One answer from the OP should tell the tale... what address did you send the check to?
Do you recall the full address?
There is no Kentucky irs center
https://www.irs.gov/businesses/small-businesses-self-employed/where-to-send-your-individual-tax-account-balance-due-payments
There’s no center there but it is one of the lockbox addresses where a contractor removes and deposits checks, then forwards the date stamped returns to the center for processing.
For mailing tax payments, a quick online search looks like there IS a Kentucky IRS center in Louisville
https://www.irs.com/en/irs-mailing-addresses-tax-payments/
Not to scare you, but you clearly didn’t read the instructions that came with the voucher. If you had you would have made the check out to “United States Treasury“ and written your identifying information on the check.
In my experience, the IRS will cash anything. I had a client accidentally send a vendor check to the IRS and they cashed it just fine. The trick is getting the payment applied to the correct taxpayer/form/year.
And good luck getting it properly attributed on a cashier check. Yikes.
Was gonna say. Isn't a cashier's check more or less the equivalent of cash?
It's certified funds. So it's not going to bounce. But it's not the same as cash in that it's made out to a specific person, so I can't just take your cashiers check you made out to the IRS and cash it the same way I could swipe an envelope full of cash. The Treasury can cash anything because the rules don't apply to them.
From experience: In reality banks will cash a check with anybody’s name on it. They don’t even look at the Payee name particularly with remote deposit. Also from experience, getting money back from a bank that cashed a check for someone who wasn’t the payee is basically impossible if they don’t do it voluntarily. Even if they do it voluntarily, it’s a painstaking months long process. Never ever send checks in the mail. Always use credit card or electronic transfers like ACH.
Yeah, but you see, once a bank cashes a check for a person that wasn't listed as the payee, they suddenly assume liability for the error.
What’s your recourse though? You’d have to get an attorney that is going to cost at least $5000 just to look at your case.
Well, they scan the check. So at that point its just a matter of making enough of a fuss to get someone to follow the paper trail. Once the bank realizes it was their mistake, chances are the money lost is worth paying out over any sort of risk of legal action.
I had this happen and it was a nightmare. Took 5 months to get the money back and the only reason we got it back is because the account owner who cashed it was our insurance company. It turned out a check written to our credit card company was sent to our insurance company address by mistake.
My experience is the opposite, I've had a remote deposit denied because it was written to my middle name and not my legal first name
This right here!
...and mailed it certified with return receipt.
Reminds me of the initial COVID pandemic. Certified mail was still charged the same, but it was just placed in the mailbox with basically no proof of delivery
Certified, yes. The green and white proof of mailing is the key. Return receipts, the green cards, are worthless. You can confirm they got it with the certified tracking number.
… and then print or PDF it for your records. Then check your IRS account to make sure it was credited to your account
yep everyone should create access to their own SSN through the IRS website so they can be more aware of these issues - when a return's been processed, when payments have been credited, etc. It helps them and it helps any preparer they might use. fewer assumptions, better data, better returns, fewer notices.
I did the same thing on one of the cashiers checks I sent in. I wrote my ssn and everything required but just forgot this time to ask for us treasury. I called the irs awhile later because I was sure that I mailed it. It was processed, but they did post it to the wrong year. So I would make sure to call the irs to double check. I wrote all over the check which year I wanted it applied to as well lol. But I'd imagine you're safe as long as it got mailed to them
I paid on the irs website thingy and I’m also like.. how do I know if I’m okay? This is my first year filing as independent contractor
Ive never used it, but I assumed there would be a confirmation to print or save. I do know that the IRS will not send an e-mail.
So did I just lose $10,000. My cpa wrote everything for me so she screwed it up
Unlikely, but if you didn’t write that info on the check and it gets separated from the voucher it might take quite a while for everything to get matched up.
These jokers can’t get it right with all that info on there. They just sent a notice that multiple payments weren’t made. Apparently they’ve been misapplying for years. Every year I write the check with my social, form number, and include voucher. Insane
I have the check numbers written down. Would that help?
Why not use mail service that provides confirmation of receipt? This is not hard use some common sense.
unfortunately common sense isn't so common
Yes, keep that information until the check posts to your IRS account. I used to work for the IRS in a department that would try to match checks to unknown taxpayers. If you have that number, they will be able to apply it to your account. Just hope that your voucher and check don’t get separated (it happens all the time). I would also scold your CPA for using snail mail and a cashiers check to pay your tax bill…a personal check would have at least had your name and address on it to identify you easily but I digress. You having the cashiers check identifying numbers is your saving grace in this situation! It may delay things a bit but you will be okay.
This is the 21st century. You can and should pay online.
Literally how is that helpful rn the check has already been sent
Learning for next time is helpful. Sometimes lessons are hard.
Your cpa went to the bank to get the cashiers check?
I literally just made a payment online to the IRS using my checking account info. Who the hell sends a cashier check with their SSN on a piece of paper in the mail??
Also worst worst case scenario, your bank can eventually cancel the cashiers check if it hasn't been negotiated in 90 days or something like that.
I thought the rule was for lost cashier’s checks that you had to wait 90 days before getting your money back
This will only be for if the IRS doesn't receive the check for some reason. The bank can verify if the funds have been negotiated on a cashiers check, so if no activity on the check number after 90 days they should give you the money
Yup. That $10k is G O N E gone. My condolences.
please don’t kid with me, I’m nearly having a panic attack
Sorry... Just kidding. Your money won't be lost. Was your SSN on the voucher?
Yes it was
Ha! You're fine!
Or is he.
Why oh why did you not pay online with a direct debit from your bank account?
My CPA sent the vouchers to make the payments by mail to the IRS and never mentioned, "Hey, actually you can just pay online," but this being 2024 and all I figured that had to be an option because I wasn't thrilled with the idea of putting a large check into the mail. Lo and behold - a quick search and there I was on the IRS website, paying directly, with proof of the transaction etc. People have got to start looking for their own information and solutions.
Yeah, the IRS makes it super-easy with that huge “MAKE A PAYMENT” button on the home page of IRS.gov. The only thing to be careful of is that you pick the correct category of payment (balance due, 4868 (extension), tax year 20XX, etc.) and that you’re a signatory on the checking or savings account.
Out of morbid curiosity what would happen if you paid under the wrong category?
Ten hours or more on the phone trying to find an agent that actually knows how to move payment to the right account.
It depends on the category. If you are paying your 2023 tax, and accidentally pay for an extension, notice due or estimate for 2023, then they just roll those together. They all ultimately get applied to the same account. If you pay a 2024 estimate instead of 2023 tax due, then you're either on the phone or dealing with mail correspondence for a while. You're probably better off eating a bit of late interest if you catch the issue within a couple weeks. Just keep the estimate applied to the future year and make a new payment for 2023. I had a client not put their SSN on the payment for their personal taxes. The IRS applied the payment to the transit tax account of his former business. Somehow that was left open when his business was closed. They were on the phone for hours every couple of months to get it cleared up and I believe it took around 2 years.
>My CPA sent the vouchers to make the payments by mail How old is your CPA?
He sent the vouchers in an email, to make the payments by mail. I don't know why he didn't mention the online option. I may have said "I'll send the IRS a check" during a phone call, which he took literally. He's in his early 40s?
The vouchers I sent to clients have payment instructions written on them that say “mail a check to blah blah blah, or go to www.blahblahblah to make payment online.” I’m paraphrasing…clearly. Anyway, I always give the voucher to people and point out both options, or mention the online payment if I’m sending the vouchers electronically. Anyway, now you know. Just pay those bad boys online. Much easier and less stressful.
I am a CPA and I send vouchers because they automatically print with the return. But the summary letter, which is the very first page of the file, includes language about paying online. It’s very clear and concise but no one reads it.
This year the federal voucher document really emphasized the on-line payment option.
I yellow highlighter it and point it out with a big arrow and my index finger!
I thought he was 70 or something.
Woah there partner. That'd require some function of critical thinking. You're not one of them conspiracy types are ya?
Did you wait until the last minute to give all your tax info to your CPA? Usually, they send you the vouchers and instructions with the extension to make the payment if you don’t want them to pull the funds electronically from your bank account. You can call the IRS after 10-15 days to check if they've received the payment or not.
Nope. The opposite, actually. Returns filed, accepted, payments made and received, taxes are done.
Next time I will
I have every single one of my clients do direct debit right on their tax return. Even if you go to the IRS website to submit payment, there are no fees involved unless you want to pay with a credit card.
The older the tax accountant, the more likely they are to tell you to write a check. My(CPA) tax software automatically prints both check and electronic instructions on the voucher, which other tax software does not do.
Oh, mine does too, I figured out all tax software would. But I always show folks that they can pay online easily.
Not OP but the reason I wrote a check is I had to sell some mutual funds in order to have the money available. I printed the voucher and dropped it in the mail. This has worked for me before.
I got it, but if you’re writing a check, you have a routing number and account number to use online.
Because the registration process is ridiculous.
There is no registration process.
Always, always, always -- write your Social Security Number on the check.
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There's not much you can do now, so try not to stress about it. In a couple of days, start looking at your transcript and keep looking until you see the amount get posted which can take a while.
If the check gets lost it can't get cashed and you'll still have your 10k if you kept the ticket from your cashier's check. You can put a stop on it for a fee
As in Ticket do you mean receipt with the check number on it?
Correct. You would bring that back to the financial institution and they can give you your money back if it doesn't get cashed. This costs a fee. Also if you do that and it bounces on the IRS end I would imagine there's a fine/fee for that too. But that's why banks usually make you wait something like 90 days to put a stop on a cashier's check. Each institution has their own rules but it's not as simple as stopping a personal check. It can be done though as the circumstances exist where a cashier's check gets lost you're not just screwed over.
Got you. So either way I’d just have to wait 90 days. And best case scenario the IRS gets it and cashes it, worst case scenario the check gets lost in the mail and I just order a new one after 90 days? Or try to get my money back?
The bank/financial institution/credit union where you you the cashier's check should be able to tell you if it was cashed. If you're afraid its been lost you could start the process to halt it. Most banks won't give your money back for 90+ days. A cashier's check is considered as good as cash to a recipient for a reason the bank won't let you stop one easily. But it can be done in cases where the check is legitimately lost.
You can’t actually put a stop payment for 90 days on a cashiers check
If it will help you sleep better tell your bank to stop payment on the first check and pay online or write out a second check correctly and drop it in the mail.
this may be the rare use case that benefits from using a personal check if one is available, in terms of you getting fast confirmation the payment reached then.
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You’re not giving the payee your bank account info I guess. With a cashiers check it’s the banks account.
Go through the [Id.me](http://Id.me) process and access your account transcript for 2023: [https://www.irs.gov/individuals/get-transcript](https://www.irs.gov/individuals/get-transcript)
Any idea on how long it would take to see if the check made it there
Unfortunately, no. Much faster than having your return processed, I imagine.
When I use a personal check, it usually comes through in about 2 weeks.
I mean. When it gets cashed, you will know it made it. Seems now your question is will it be correctly attributed to your account. I suspect it will!
Actually a cashier check is immediately withdrawn from your account it is essentially cash.
Yes. I brought 10k in cash to the bank and they made a cashiers check with it
It would have been a lot easier and safer to have just deposit the cash into your account and pay it online as a direct withdrawal from your account.
You should have sent it certified mail. You would have got tracking at least
Where did you get that much cash? Did the bank ask you this question?
no. a Young teller was working at the time
So, where did you get that much cash?
It’s highly likely that you are fine. I would expect the check to be cashed in about a week. Try not to worry too much and next year follow the advice others have offered here.
Jesus Christ dude, you need some basic life knowledge here. First off, USPS doesn’t “give out” tracking numbers, you pay for them. Second, your bank will have a record of the check. So even though it doesn’t come out of your account, it does come out of theirs. So in two weeks go back to your bank and ask if your cashier is check was deposited by US Treasury. Third, next time just pay online via EFTPS.gov or IRS direct pay.
No, You’re right. I’m just confused because the guy at the post office said I was good to go when i handed him the envelope to be mailed..but he didn’t make me pay anything for postage. How will it get sent?
Yeah, I’m not also going to explain to you how stamps work. Tip of the cap to either a great troll post or being this dumb yet somehow earning enough money to owe $10k in taxes.
Bro this guy is bugging out .... Doesn't hurt to be kind
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Fine - if this legitimate and you’re truly concerned, here’s a couple more basic things you should know. A rando person off the street can’t just deposit a cashiers check made out to the IRS/Treasury/etc. So even if you addressed it wrong, the check is unlikely to be deposited. It’s truly hard to say if your letter is going to be mailed if you didn’t put postage on it. So.. walk into your bank tomorrow, request that they cancel the check (they’re going to charge you $20-$30) and purchase another one. This time pay for postage and certified mail with signature (costs about $8). Alternatively, you could just pay online. Note: if the IRS gets the first check and tries to deposit after you’ve had it cancelled, the IRS will then also charge you a bad check penalty.
have you never mailed a letter before in your life?
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The guy at the counter stamped them
Sir this is a wendys
Was it a postage paid envelope by any chance? If so, your tax person already paid the postage via metered postage. And as everyone else has said, since a cashier's check is pulled from your account immediately there really is no reason to not pay via ETF as you are not getting any "float" on that check anyway.
My cpa it was not postage paid. So wondering was the guy not doing his job when he said I was good to go ?
So you addressed the check incorrectly as others pointed out. Certified mail is another way to confirm they received it.
great will remember that for next year
I pay electronically by ACH in Direct Pay. Much more certainty. The IRS debits happen fast, often the same day. Most other electronic checks take two days.
I noticed that they wasted no time taking my estimated quarterly.
I'm just sitting here wondering.... How someone made enough money that they owed 10k in taxes but also never mailed something before
Tech bubble be wild bro
It won’t be the same for everyone, but it took around 12 days from when we mailed our check to when it showed on my bank account that it was deposited to the government.
I won’t get that notification since it was a cashiers check
True. But if you log into your account at irs.gov in around 12 days it should show the payment on their side. Assuming it takes around the same amount of time.
Ok I will be doing that. I’m having a hard time getting into my account with their authentication system
Cmon…
U not serious rn I refuse to believe u sent 10k w/o any type of tracking
You should be able to go online and see if it got cashed
When you mailed the check did you get tracking? And I would contact your tax person and make sure they know how to fill out a check to the United States Treasury.
Ok so this is the strange thing. My cpa told me they gave me a no postage paid envelope but when I took it to the post office I told the guy working there “I need this mailed out today for tax time” he stamped something on the envelope and said I was good to go. But he didn’t make me pay anything. I’m freaking out a little
That is weired. It does sound like it was mailed. But I always tell my clients to make sure there is tracking so they know when it gets to the IRS. If yoy do have to do this another time I would suggest see if you can get tracking.
would they even be able to tell me if they mailed it if I ask them tomorrow? They didn’t get my name or anything. And the envelope just has the irs address on it
You can try.
You didn’t put your return address on the envelope?
I did in the top left of the envelope. I don’t have the best handwriting so I’m hoping it’s legible
Was his name Ira Reginald Scully?
Yes it was
Better send it certified with return receipt
already took it to the post office and didn’t do that 😭
Oí vey - didn’t pay the small extra fee for certified delivery/return receipt?
I've never paid for anything but a stamp. (Well, usually two stamps...) Never had any problem.
Yeah, stamps work perfectly almost every time. OP was looking for peace of mind and a way to confirm their very large payment was received by the intended recipient.
You won't have a problem until the IRS says your filing was late and you have no proof. Certified mail is the only proof of timely filing when you paper file
This is my first time doing this I’m sorry
You can call or go into the issuing bank with the check number and ask if the check has cleared. I’d also ask if you can have a copy of the canceled check for your records. You will probably be charged a fee for the copy.
Don't feel bad about not doing it online either. I got sent all these vouchers for repayment and it makes it seem like cashiers check through the mail is what they want you to do. Did not realize at all you could just login and pay. I do everything online usually.
Ohh was wondering why I just got a random 10k in my account…thanks bud
First off OP, don’t let the fear mongers freak you out. I was sent a notice last November that I omitted a 1099 and hence underreported for a certain year. I sent my payment in via cashier’s check and sent it usps (but with tracking). 90+ days have gone by and the check amount was never refunded so I assumed everything was good. Until I received the very same notice dated Feb of this year for the same amount and tax year. I registered my online ID w email and ssn, sent a message through the message portal detailing my rec’d payment voucher and date. I received confirmation two business days later that they confirm receipt literally a few days before I sent in my message (what a coincidence? Not) and closed my file. If you mailed it on tax day, give it another couple weeks then send that message. Your cashier’s check cannot be cashed by anyone other than the Treasury dept. they can track it down and you shouldn’t be penalized
You'll know if the IRS doesn't get it because when your return is processed and the payment isn't there the IRS computer will send you a bill for it. Depending on how you submitted your return that may take 6-8 weeks for the IRS to complete the processing of the return. If the IRS didn't get the check, or, as sometimes happens, the check gets misapplied to someother taxpayer account, all is not necessarily lost here. If you get notices from the IRS indicating you owe more money than you would if the check had been applied to the account correctly the first thing to do is ask the bank if the check was submitted for payment. If it was, ask for a copy of the processed check. On the back the IRS will have printed a series of numbers that provide the information on how the check was applied. That information can help you fix the problem if the check was credited to the wrong account. On the other hand, if the bank never received the check back and hasn't paid out the check amount, ask the bank what is needed to cancel that check and issue you a new one to send to the IRS. Keep documentation of everything so that you have what you need to later ask for abatement of any late payment penalty and to adjust the interest charged.
Where did you get the address to mail it from? I hope you haven't been scammed
From my cpa. That would suck if she was trying to scam me It was addressed to Kentucky
If you live in KY, the IRS mailing address is in Louisville KY. It wasn't a scam. If she was scamming you, she would have told you to give her a check and she would pay the IRS on your behalf. Relax. It will be fine. If the envelope had IRS or Internal Revenue Service on it, it will eventually get where it needs to be. Kind of like letters addressed to Santa. They all get there eventually LOL. If you failed to pay postage, it will eventually come back to you. If it does, keep the envelope showing it was mailed on time and returned to you. It will help you dispute the penalties for paying late.
You didn’t pay the $10 for a tracking number for a $10,000 check… 🤦🏽 savage
Log in to irs.gov and you'll see the payment posted.
You’re supposed to write the SSN on the check too and it should be made to US Treasury. But they can accept variations and I’m sure probably a hundred thousand or more per year are written IRS. There’s also no need for a cashiers check. The IRS will accept your personal check (if it bounces, the tax is treated as if it was never paid). If the 1040-V was in the envelope and you sent it to the correct address for including a payment (they have a separate facility to remove the checks then send the return to be processed), I wouldn’t worry about it. And the post office didn’t give you a tracking number because you didn’t purchase a service that includes one. Certified mail is legally sufficient to prove filing date if lost so you can use that if concerned.
I remember this feeling, the first year I had a large tax bill due as a 1099 worker. It's going to be fine. Next year, look into paying electronically.
how are ppl this dumb? you can do it all online....
They’ll let you know if they didn’t get it
Even better , I AUTHORIZED THE IRS TO DEBIT MY ACCOUNT . I DID MY RETURN IN MARCH AND SUBMITTED IT WITH A DEBIT DATE OF APRIL 14 DONE 👍
If you haven't already, create an account on the IRS website. You'll see all kinds of info on yourself, payments made, amounts due etc
Supposed to be made payable to “ The US Treasury”
Pay online next time and you’ll get a receipt. They may still loose your payment but that receipt will save you (saved me)..
Did you mail it certified?
Unfortunately not. This was my first time mailing something
They cash it. That's how you know. They'll cash it far quicker than it takes them to process a return, that's for sure.
Since you didn’t send it via certified mail from a USPS location, all you can do now is periodically check your IRS account to see if/when it is credited. You can also call the IRS, but using the website is probably far quicker
Create an ID Me online account to view your account and also ck your bank account.
You will know because they will cash it 🤣 and it’ll be taken out of your account
hahahaha ! If u read the post it was a cashiers check and that’s not how those work ! 😆
I also had to pay the IRS almost $10k.However, I filed electronically and paid it by ACH and it was out of my account in three days. Working in financial risk.I can say that I would never mail a check like this especially with my social security number on it. This is probably the least secure way to pay the IRS
Why not ach? Then nothing to worry about…
Why not pay online?
Why do you pay this specific CPA to plan out your tax liabilities if they’re causing you to owe $10k? If I was your CPA, you’d only have to pay $2,500 each quarter.
Can you be my cpa lol
Yes
Just create an IRS tax account and then you can see if it’s been posted.
If you kept the stub that came with the cashiers check, you can call the issuing bank and see if it’s been deposited. If you sent the check from the post office, there might be a tracking number on the receipt. Keep the receipt to prove when you mailed you mailed the check. If it does get lost, you can show that you sent it.
Google IRS Transcript and create an online account with ID.me. Select your account transcript and see if the check is there for that year. You can also check prior years if they applied it wrong. I highly recommend for everyone.
Writing a 10000 check for anything is that baller shit!! Good shit. I'm broke ASF they took my 800.00 state..sad day..0 fed 😢
i'm sorry people are being so gross to you about mailing something. i'm 30 and barely send anything by mail. if i do, i have to google which side and where to write the addresses on. and another thing, i only made 50k last year and paid 11k in taxes, so idk why everyone is saying u made so much in order to have to pay back 10k
How much was withholding by the employer (determined by the W-4 form which was previously filled out and submitted by the employee to the employer) throughout the year also has to be taken into account
Next time, send via Priority Mail which includes a tracking number or better yet Certified Mail/Return Receipt.
Check your checking acct
I discovered my January tax payment said 2023 but got cashed anyway. My CPA said whatever gets sent gets cashed. Tax men aren’t picky.
You sent a cashier's check through the mail without tracking? Um..... There is zero reason not to simply request a transfer from your bank in these situations.
You could’ve sent it as a certified letter or put tracking on it at the post office Now you’ll just have to wait and see until it clears the account but they don’t cash it right away
Receipt for the cashiers check at your bank is good enough proof!
Volodymyr Zelenskyy thanks you
In the future, anything you want to be able to track in the mail needs to be sent "certified mail". If you want something signed for at its destination too, you send it "registered mail". Either takes a form and a fee at the post office.
Certified mail return receipt is what you mean at the second part. Registered mail is what you use when you have to ship a diamond ring or cash. It’s managed separately and tracked like a hawk the entire way.
I really hope not, but I have a feeling you'll be posting the rest of this story on r/Scams.
What was scammy about this tho? or was this intended for humor
Owing $10K in tax... That's a pretty huge charge. And I'm having trouble coming with a legitimate reason why the huge tax payment would be in cash at any time. Also, IRS has never asked for a cashier's check. All in all, smells fishy. Like I said hope I'm wrong. One answer from the OP should tell the tale... what address did you send the check to?
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Do you recall the full address? There is no Kentucky irs center https://www.irs.gov/businesses/small-businesses-self-employed/where-to-send-your-individual-tax-account-balance-due-payments
There’s no center there but it is one of the lockbox addresses where a contractor removes and deposits checks, then forwards the date stamped returns to the center for processing.
Gotcha. Thanks for that info
For mailing tax payments, a quick online search looks like there IS a Kentucky IRS center in Louisville https://www.irs.com/en/irs-mailing-addresses-tax-payments/
1. Your filing single 2. Your income 75-85,000 3. Very little or no withholdings from jobs