Proactive Steps to Secure Your Tax Information Before Filing Season Begins
In an age where data breaches and identity theft are more common than ever, securing your tax information isn't just a good idea—it’s essential. Fortunately, the IRS offers two powerful tools that can help: the Identity Protection PIN (IP PIN) and the IRS Online Account.
Both are free, easy to set up, and offer strong protections that could save you time, money, and headaches.
What Is an IP PIN?
An Identity Protection PIN (IP PIN) is a six-digit number issued by the IRS that adds an extra layer of protection to your tax return. Once you have one, no one—not even you—can file a tax return using your Social Security number without that PIN.
Why It's Important:
Prevents someone else from filing a return using your identity
Stops fraudulent refunds before they happen
Gives you more control over your federal tax return
Can be issued for dependents as well
Once assigned, you’ll need your IP PIN to file your return—even if you’re using a tax professional.
Even if you haven’t been a victim of identity theft, getting an IP PIN is a smart move for proactive protection.
What Is an IRS Online Account?
Paper Refund Checks Are Ending in 2025
The IRS has announced that starting September 30, 2025, it will phase out paper tax refund checks for individual taxpayers, to the extent permitted by law. This means most refunds will need to be delivered electronically, usually by direct deposit.
Having an IRS Online Account helps ensure your banking information is accurate and up to date, so you receive refunds quickly and securely. If you currently rely on paper checks, this change makes it more important than ever to get set up online.
Your IRS Online Account gives you secure, 24/7 access to important tax information, including:
Your tax balance and payment history
Your adjusted gross income (AGI)
Copies of IRS notices and letters
The ability to authorize tax professionals
It’s also how you manage your IP PIN, prevent unauthorized access, set up payment plans, and track your refund.
Tip: Creating your IRS account early also helps prevent someone else from creating one in your name.
Why You Should Set These Up Now
The IRS has also announced that starting in the 2025 filing season, any e-filed return claiming a dependent who has already been claimed elsewhere will be rejected unless a valid IP PIN is included. This is especially important for families with shared custody or multiple taxpayers claiming dependents.
In addition, your IP PIN must be entered accurately when filing electronically—otherwise, the IRS will reject your return. Paper returns missing a required IP PIN may be delayed for manual review.
Tip: You can retrieve your current IP PIN from your IRS Online Account each year. A new one is issued every January.
Waiting until tax season to set up these tools could delay your return or limit your ability to respond quickly to fraud or IRS notices.
Setting up an IP PIN and IRS account now helps you:
Avoid tax-related identity theft
Speed up return processing
Access your tax records when you need them
Respond faster to IRS inquiries
How to Get Started
1. Create Your IRS Online Account
Go to IRS.gov and click “Sign In to Your Online Account”
You’ll need ID verification (driver’s license or passport) and a phone or email for two-step authentication
2. Apply for an IP PIN
Once logged into your IRS account, navigate to the IP PIN section
Verify your identity and request your unique PIN
You’ll receive a new IP PIN each year for added security
Important: Keep your IP PIN secure—only share it with your authorized tax professional.
Final Thoughts
Remember: once you have an IP PIN, you must use it when filing your return—even if we’re preparing your return for you.
Also, stay alert for scams. The IRS will never call, email, or text you asking for your IP PIN. If someone contacts you requesting your PIN, it’s a scam.
The best way to avoid tax refund fraud or identity mix-ups is to be proactive. By setting up your IRS Online Account and obtaining an IP PIN, you take two big steps toward protecting your financial identity.
Frequently Asked Questions
Do dependents need an IP PIN?
Yes. Dependents and spouses can receive IP PINs if they pass IRS identity verification.
Can I retrieve my IP PIN online?
Yes. Once enrolled, you can securely retrieve your current IP PIN each year through your IRS Online Account.
When will the IRS stop mailing refund checks?
The IRS has announced it will phase out paper refund checks starting September 30, 2025, to the extent permitted by law. Most refunds will need to be delivered electronically.
Disclosures: This article is for informational purposes only and should not be considered legal or tax advice. Please consult your tax advisor for guidance specific to your situation.