How to tell if an IRS refund check is real?


Editorial team Published on

You can verify if an IRS refund check (issued as a U.S. Treasury check) is real by checking its physical security features and using the Treasury Check Verification System.

Verify Online

  • Use TCVS: Enter the check's routing number, check number, and exact amount into the Treasury Check Verification System to see if an issue record exists.
  • Check your IRS Account: Log in to your secure IRS Online Account or use Where's My Refund to confirm the IRS actually scheduled a refund for that amount.

Check Physical Features

  • Seal: Look for the seal of the U.S. Department of the Treasury (“Bureau of the Fiscal Service”). The ink on the seal should turn red if you apply a little moisture to it.
  • Watermark: Hold the check up to the light to see a faint U.S. Treasury watermark on both sides.
  • Microprinting: Look closely at the back of the check under magnification to find micro-printed border text.

Red Flags of Fake Checks

  • Strings Attached: Real IRS refund checks never require you to deposit the check and then wire or send money back via gift card, Zelle, or cash app.
  • Unexpected Delivery: If you did not file taxes or expect a refund, or if the amount does not match your tax return, treat the check with extreme caution and call the Bureau of the Fiscal Service Call Center at 1-855-868-0151.