IRS Froze My Bank Account - What Happens Now?

If the IRS froze your bank account, you're experiencing a levy. Your funds are held for 21 days, then sent to the IRS to pay your tax debt.

You can still request a hold or release if you act immediately. Do not wait.

What Happens When the IRS Levies Your Bank

Immediate freeze: Your entire bank account is frozen. You cannot withdraw, transfer, or spend money in that account
21-day hold: The IRS holds your funds for 21 days while you have a chance to request release or pay
Transfer to IRS: After 21 days, all frozen funds are transferred to the IRS to pay your tax debt
Multiple accounts: The IRS can levy multiple bank accounts. Each account receives a separate 21-day freeze

Yes. The IRS can release a levy if:

Action within the 21-day window dramatically increases your chances of release or payment plan approval.

1
Contact the IRS or a Tax Professional Today
Don't wait. Every day reduces your options. Request a hold or release immediately.
2
Request Release Based on Hardship
If the levy causes severe financial hardship, explain this to the IRS and request release.
3
Propose a Payment Plan
Offering to pay your debt over time often results in levy release and prevents future collection.
4
Act Within 21 Days
After 21 days, your funds are transferred to the IRS and recovery becomes much harder.

Our tax professionals can contact the IRS today and request a hold on collections while we review your situation.

No obligation. We will review your case and contact you.

IRS Notices

Relief Options

Levies & Garnishment

Resources