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In the IRS’s own words · not reviewed by VALID

CP32 notice explained, in the IRS’s own words

We sent you this notice to let you know we sent your replacement refund check. You should receive your replacement check within 30 days from the date printed on your notice.

Read the full CP32 page on irs.gov ↗

Quoted from www.irs.gov/individuals/understanding-your-cp32-notice, read October 15, 2026 · fingerprint 95fefb603e4a · 3 lines left out here (see irs.gov)

What this notice is about

We sent you this notice to let you know we sent your replacement refund check. You should receive your replacement check within 30 days from the date printed on your notice.

What you need to do

  • If you still have the expired check, please destroy it.
  • To check the status of your replacement check, visit Where's My Refund?
  • If you don’t receive your refund check within 30 days, call the number on your notice.

Can I receive my replacement check via Direct Deposit?

No. Replacement checks are sent by mail. You can request your refund via Direct Deposit by completing the requested banking information in the "Refund" section of your tax form for next year.

Since my refund check was returned, can I request that you mail it to my work address instead?

Refund checks are mailed only to the address of record, which is the address provided on the tax return or the result of an address change after the return is filed.

I filed jointly, but my spouse and I are now divorced. Where will you send the refund? Can you send us two checks?

A refund check is mailed to the address of record, which is the address provided on the tax return or the result of an address change after the return is filed. We will send one refund check listing both you and your spouse's names. If you wish to have the refund split and issued in two checks, you must return the uncashed refund check to the address on your notice and a copy of your divorce decree showing how the refund is to be allocated.

Tips for next year

  • To receive your refund more quickly, consider requesting your refund through direct deposit. To do this, complete the requested banking information in the “Refund” section of your tax form if you want to direct deposit the entire amount into one account.
  • To request this, use Form 8888, Allocation of Refund (Including Savings Bond Purchases).
  • Consider filing your taxes electronically. Filing online can help you avoid mistakes and find credits and deductions that you may qualify for. In many cases you can file for free.

What to do next

  • Write down the date on the letter today.
  • Look the number up on irs.gov yourself. Don’t trust a link or phone number from anyone else.
  • If it says you owe money or proposes changes to your return, take it to a licensed CPA, EA or tax attorney before that date.

Not advice. Not a filing. Verify with a licensed professional. Rules change by year and facts.

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