Tips to Help You Ensure Your Refund Goes to the Correct Account

First Commerce is dedicated to helping our members enhance their financial well-being. Below are important tips to consider when filing your 2019 taxes.

  • If your life changed quite a bit in 2018 — you got married, bought a house, had a baby, retired, sold a home — and you are unsure of how that affects your tax situation, you may want to consult with a tax professional for advice.
  • Direct deposit (electronic deposit) is a convenient and safe option to receive your tax refund quickly, rather than waiting for a check to be mailed. However, if you choose direct deposit, providing the IRS with your correct account information is essential.
  • Always double-check the First Commerce routing number and your account number before filing your return or allowing a tax preparer to file it. If you provide only the account holder name on your tax return, your refund will not be deposited into your First Commerce account.
  • Never authorize the deposit of your tax refund into an account on which you are not listed as an owner. You cannot be given access to funds in an account that is not in your name, which can lead to delays and/or loss of funds if the owner of the account will not reimburse you, or the funds are no longer available. This includes any tax preparer you may use. Be skeptical of tax preparers who want to use their account number when filing your tax returns.
  • If you receive someone else’s tax refund in error, please call us at 850.488.0035 or 800.533.5772 immediately and follow these IRS instructions.
  • In an effort to combat fraud and identity theft, the IRS limits the number of direct deposits into a single financial account or prepaid debit card to three refunds per year. Taxpayers who exceed this limit will receive a notice and a refund check instead, which may take up to 10 weeks.

Steps to Ensure Your Tax Refund Goes to YOUR Account

  1. Locate the refund section of your tax return.
  2. Enter the First Commerce Credit Union Routing Number: 263182516
  3. Enter your First Commerce Account Number. There should be no dashes, symbols, or letters in your Account Number.
    • If you do not know your First Commerce account number or member number, you can visit any of our 12 locations and a team member can assist you, or you can log in to your online banking account to get this information.
  4. Before filing your taxes, double check that you typed the First Commerce Routing Number and Account Number correctly.
  5. Never direct your tax refund to someone else’s account.
  6. File your return on time — this year’s deadline is: April 15, 2019.
  7. To check the status of your refund, go to www.irs.gov/refunds and select “Where’s My Refund?” You can also check the IRS2Go mobile app or call 1.800.829.1040.
  8. Verify that your deposit amount is what you expected.
Finding Your Account Number
Personal AccountBusiness Account
Your personal checking account number starts with “91” and is the middle set of numbers at the bottom of your check. (See example below.) Your business checking account number starts with “91” and is located at the bottom of your business check.
If you do not have checks, you may use your First Commerce member number for the account number (this number is between 3 and 8 digits). If you use just your member number, be sure to use your business member number and not your personal member number (this number is between 3 and 8 digits).
For depositing your refund into your savings account, you may use your First Commerce member number for the account number (this number is between 3 and 8 digits). If you have a business savings account, you may use your business member number as your account number (this number is between 3 and 8 digits). Your business member number is not the same as your personal member number.
You must select the account you want funds deposited into -- checking or savings. If no account is selected, your funds cannot be deposited. You must select the account you want funds deposited into -- checking or savings. If no account is selected, your funds cannot be deposited.

FCCU Routing Number 263182516

First Commerce does not provide tax, legal or accounting advice. The information on this page is for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your tax, legal or accounting advisors for further guidance.