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Tax Season Is Here: What Waterfront Members Should Know

The IRS officially opened the 2026 tax filing season on January 26, 2026, meaning you can now file your federal return for the 2025 tax year. For many Waterfront members, this also means refunds, budgeting decisions, and planning what’s next.
 
Filing early gives you more time to fix errors, avoid last-minute stress, and receive your refund sooner—especially when you file electronically and choose direct deposit.
 
Helpful IRS Tools to Make Filing Easier 
The IRS offers several free tools to help you file accurately and stay organized:
IRS Online Account – View balances, payment history, tax records, and refund status
Where’s My Refund? – Track your refund 24 hours after e-filing
IRS Free File – File your federal return at no cost if you qualify
MilTax – Free filing for eligible military members and some veterans
 
Tax Law Updates to Keep in Mind 
This year’s filing season includes changes tied to the One, Big, Beautiful Bill, which may affect credits and deductions. Be sure to review current guidance on IRS.gov or consult a tax professional if you have questions.
 
Get Your Refund Faster with Direct Deposit 
The IRS recommends electronic filing and direct deposit to help avoid delays and receive your refund faster and more securely than paper checks.
 
To use direct deposit, you’ll need:
  • Routing number: 3250-82062
  • Your 5-digit account number
  • Choose checking or savings
Refunds must be deposited into an account in your name to avoid delays. Need help finding your account details? Check online banking, your checks, or call us at 206.622.8415—we’re happy to help.
 
Watch Out for Common Tax Scams 🚨
Tax season is a busy time—not just for filers, but for scammers too. Be on the lookout for:
  • Emails, texts, or calls claiming to be from the IRS
  • Messages saying you owe money immediately or must “verify” your information
  • Requests for payment using gift cards, wire transfers, or prepaid cards
Remember: The IRS will never demand immediate payment, threaten arrest, or contact you through text or social media.
 
Waterfront Tip: Protect Yourself with Smart Banking Tools 🔐
A few simple steps can help keep your money and information safe:
  • Use Bill Pay through online banking instead of sending checks
  • Set up account alerts to monitor activity
  • Go paperless to reduce mail theft
  • Never share login or account information with anyone claiming to “help” with your taxes
If something doesn’t feel right, trust your instincts and reach out to Waterfront right away.
 
Final Thoughts
At Waterfront, we’re here to support you during tax season and beyond—whether that’s setting up direct deposit, opening an account, or helping you plan what to do with your refund. For official filing tools and guidance, visit IRS.gov.
 
Source:
Internal Revenue Service. IRS Announces First Day of 2026 Filing Season; Online Tools and Resources Help With Tax Filing.