Steps for Filing Taxes & Receiving Your Refund

  1. Step 1

    Gather All Your Tax Documents

    W-2s

    • The form that an employer must send to an employee and the IRS at the end of the year.
    • The W-2 form reports an employee's annual wages and the amount of taxes withheld from his or her paycheck.

    1099s

    • The 1099 form is the IRS tax form used for taxpayers (i.e., independent contractors, consultants, investors) to report income, whether from work or from investments that are not salaried income. There are many types of Form 1099s, so the income provider will have to send a specific 1099 form, based on the types and sources of income earned, to the taxpayer.

    1098s

    • A form filed with the IRS that details the amount of interest and mortgage-related expenses paid on a mortgage during the tax year. These expenses can be used as deductions on a U.S. income tax form, Schedule A, which reduces taxable income and the overall amount owed to the IRS. The mortgage lender is required by the IRS to provide this form to borrowers.
  2. Step 2

    Gather All Tax Donation Receipts and Other Documents to Support Proof of Income and Tax Deductions.

  3. Step 3

    File Your Taxes Electronically

    • FREE FILE. If your Adjusted Gross Income was $66,000 or less in 2018, you’re eligible for Free File.
    • E-FILE. Use tax preparation software to prepare your tax return and send it through e-File. Your return is sent through safe and secure channels, not via email.
    • AUTHORIZED E-FILE PROVIDERS. Use a tax professional to prepare your tax return and send it through e-File. Your return is sent through safe and secure channels, not via email.
  4. Step 4

    Have Your Refund Direct Deposited to Your Account

    The IRS recommends having your refund deposited directly to your account. This gets you your refund within 10 days. You can have your refund transferred directly into your checking, savings or Money Market Savings Account. You can also pay for your taxes electronically from your checking account, use your Navy Federal Debit Card, or earn rewards by using your Navy Federal rewards credit card.

IRS Resources

  • 1040 Central

    Providing essential information for individual taxpayers, the IRS covers the basics of when, how and where taxpayers should file. Find answers to popular questions and access to forms and instructions here as well.

    Learn More about 1040 Central
  • Tax Information for Military Members

    Understand the specifics of filing taxes as a current or former member of the military, including rules regarding the IRS definition of armed forces.

    Learn More about Tax Information for Military Members
  • Online Services

    Filing and paying your taxes should be as convenient as possible. That's why the IRS provides you with many helpful interactive forms, calculators and tools.

    Learn More about Online Services
  • Printable Tax Forms

    Want to work things out on paper? You can easily print out the forms you need and accompanying instructions from the IRS’ library of PDFs.

    Learn More about Printable Tax Forms

Disclosures

This information is intended to provide general information and should not be considered tax advice. Please consult a tax professional for more information.