Fill out Tax Form 1099-INT Online in 2026

Form 1099-INT is essential for anyone who earns interest income during the tax year. Banks or other financial institutions issue it to individuals who have earned more than $10 in interest from savings, checking, or investments. It helps report this income to the IRS accurately, ensuring you pay the correct amount of taxes on your interest earnings.

Form 1099-INT is essential for reporting interest income. Here's what it's used for:

• To report interest income from bank accounts or investments
• To document interest paid to you throughout the year
• To assist in accurately completing your tax return

These step-by-step Form 1099-INT instructions will guide you through every section of the form:

Payer and Recipient Information:

• Payer's name, address, and TIN: Enter the name, full address, and Taxpayer Identification Number of the bank or financial institution paying the interest.

• Recipient's name, address, and TIN: Enter the name, full address, and TIN (usually SSN) of the person who received the interest.

• Account number: Enter the account number to distinguish among multiple accounts for the same recipient.

• FATCA filing requirement: Check this box if you are reporting to satisfy Chapter 4 (FATCA) account reporting requirements.

02. Interest and Tax Information (Boxes 1–9):

• Box 1: Enter the total taxable interest paid during the year (not including amounts in box 3).

• Box 2: Enter any early withdrawal penalty (interest forfeited due to early withdrawal of a time deposit).

• Box 3: Enter interest paid on U.S. Savings Bonds, Treasury bills, Treasury bonds, and Treasury notes. This amount is not included in box 1.

• Box 4: Enter any federal income tax withheld (backup withholding).

• Box 5: Enter the recipient's share of investment expenses of a single-class REMIC (this amount is included in box 1).

• Box 6: Enter any foreign tax paid on the interest.

• Box 7: Enter the country or U.S. territory to which the foreign tax was paid.

• Box 8: Enter tax-exempt interest paid during the year.

• Box 9: Enter any tax-exempt interest that is subject to the alternative minimum tax (included in box 8).

03. Bond Premium and Other Information (Boxes 10–17):

• Box 10: Enter the market discount that accrued during the year on a covered security.

• Box 11: Enter bond premium amortization for taxable covered securities (other than U.S. Treasury obligations).

• Box 12: Enter bond premium amortization for U.S. Treasury obligations.

• Box 13: Enter bond premium amortization for tax-exempt covered securities.

• Box 14: Enter the CUSIP number for tax-exempt or tax credit bonds.

• Boxes 15–17: Enter state tax withheld, the state, and the state identification number.

04. File and Furnish:

• Furnish Copy B to the recipient by January 31.

• File Copy A with the IRS (with Form 1096) by February 28 (paper) or March 31 (e-filing).

Banks and financial institutions are responsible for filling out Form 1099-INT to report interest income they pay to individuals.

The IRS and taxpayers who receive interest income use Form 1099-INT to report and calculate taxes on that income.

Not everyone needs to fill out Form 1099-INT. This form is not required for individuals who do not have any interest income to report for the tax year.

Additionally, if your interest income from a single source is less than $10 for the year, the institution might not send you a Form 1099-INT. However, you are still responsible for reporting this income on your tax return.

Form 1099-INT has two separate deadlines depending on which copy is being sent. The form comes in multiple copies — Copy A goes to the IRS, and Copy B goes to the recipient (the person who earned the interest).

Payers must furnish Copy B to the recipient by January 31 of the year following the year in which the interest was paid. Copy A must be filed with the IRS by February 28 (paper) or March 31 (e-filing) of that same year.

To get a blank Form 1099-INT, visit our platform where the template, issued by the IRS, is pre-loaded in our editor, ready for you to fill out. Our website helps you create and download the form, but remember, we don't help with filing it.

Form 1099-INT typically does not require a signature. It's important to verify this with recent guidelines.

Always consult the latest official sources for updates on the requirements for Form 1099-INT.

Form 1099-INT can be submitted online through the IRS FIRE system, which requires registration.

Alternatively, it can also be sent via mail to the IRS, following their mailing guidelines.

Form 1040 / 1040-SR / 1040-NR – U.S. Individual Income Tax Return

The tax return where you report interest income — taxable interest from box 1 goes on Form 1040, line 2b, and tax-exempt interest from box 8 goes on line 2a.

Who uses it: All individuals who received interest income during the year.

Schedule B (Form 1040) – Interest and Ordinary Dividends

Required if you received over $1,500 in taxable interest during the year, listing each payer and the amount of interest received.

Who uses it: Taxpayers with more than $1,500 in total interest income.

Form 1096 – Annual Summary and Transmittal of U.S. Information Returns

Serves as a cover sheet when payers file paper copies of Form 1099-INT with the IRS, summarizing all the information returns being submitted.

Who uses it: Payers filing paper information returns with the IRS.

Form 1099-OID – Original Issue Discount

Reports original issue discount income, which is related to but separate from regular interest income and shares the same IRS instructions as Form 1099-INT.

Who uses it: Payers who issued debt instruments at a discount to report OID to holders.

Form W-9 – Request for Taxpayer Identification Number and Certification

Used by payers to collect the recipient's TIN before issuing a 1099-INT — if the recipient doesn't provide a correct TIN, backup withholding may apply.

Who uses it: Payers collecting taxpayer identification from recipients.