The IRS is actively encouraging taxpayers to establish Individual Online Accounts, a move designed to enhance security against identity theft while also simplifying access to vital tax documents. With the 2026 filing season underway and the deadline for most federal tax returns set for April 15, the agency stresses the benefits of using this online portal for a more efficient tax filing experience.
These accounts can facilitate quicker refunds and payment processing, allowing users to monitor important details like their adjusted gross income, status of refunds, and amended returns. The platform enables taxpayers to access over 200 digital notices from the IRS, create or modify payment plans, and request an Identity Protection PIN, which serves as a safeguard against fraudulent returns filed in their names.
Despite the advantages, the process of setting up an account can be challenging. Tax experts have indicated that identity verification through ID.me may involve time-consuming steps, including potential video calls. Tax professional Tom O’Saben called the process “relatively cumbersome” but emphasized that the effort yields significant long-term benefits.
This filing season also introduces a new legislative element—the passage of the One, Big, Beautiful Bill Act on July 4, 2025, which overhauls various tax credits and deductions. Notably, the act raises the cap on the state and local tax (SALT) deduction to $40,000 for the 2025 tax year. This is a significant increase from the $10,000 cap established by the 2017 Tax Cuts and Jobs Act. However, it’s important to note that high-income earners will not benefit fully, as the deduction begins to phase out for modified adjusted gross incomes over $500,000.
Raising the SALT cap may lead to larger refunds for taxpayers who itemize their deductions, particularly those with substantial property or state income taxes. Conversely, those claiming the standard deduction will not see an increase in benefits from this change.
As the IRS continues to promote the importance of these online accounts, it remains vital for taxpayers to act early in the season to efficiently manage their tax obligations. By leveraging digital tools, the IRS aims to streamline the filing process, reduce errors that could delay refunds, and ensure a more secure experience during tax season.