1099-NEC deadline · Feb 1, 2027 Tax year 2026 brings a $2,000 reporting threshold, new tips and overtime boxes, and the end of FIRE. What changed for 2026 Free FIRE converter Collect a W‑9
IRS Form

Interest Income

File 1099-INT Online

E-file 1099-INT for interest of $10 or more paid to an account holder during the 2026 tax year. TaxFormHero offers bulk import from Excel, secure IRS transmission, and a filing deadline of March 31, 2027. E-filing starts from $1.99 a form with no signup fee or ongoing subscription requirements.

E-File Now All Forms

  • 4.5/5

  • 52,000+

    Filers served

  • Authorized IRS e-file Provider

    Authorized e-file provider

  • $0

    Signup fee or subscription

  • 4 yrs

    Filings stored and downloadable

E-File Deadline
March 31, 2027
Reporting Threshold
$10 or more
Who Files
Banks, brokerages, businesses & other payers of interest

What is Form 1099-INT?

Form 1099-INT is an IRS document used to report interest income.

  • It's issued by banks, financial institutions, and other entities that pay interest.
  • All taxable and tax-exempt interest income must be reported on your tax return.

Who needs to file Form 1099-INT?

  • Any payer that paid $10 or more of reportable interest to a person during the tax year files Form 1099-INT. That is not limited to banks and brokerages: a business, a government entity, or a nominee or middleman receiving interest on behalf of someone else can all have a filing obligation.
  • For 2026 a separate $2,000 threshold applies to certain interest paid in the course of your trade or business rather than on a deposit account. That figure was $600 before 2026 and is adjusted for inflation each year, so check the current instructions for the year you are filing.
  • You also file whenever you withheld federal income tax under the backup withholding rules, however small the interest was, and when you withheld and paid foreign tax on interest.
  • The form includes a breakdown of all types of interest income and related expenses.

1099-INT Pricing

$1.99 per 1099-INT form No signup fee · No subscription · Volume pricing down to $0.45

Volume pricing — each band charged at its own rate

Volume band Charged at Price per form
First 150 forms 1–150 $1.99
Next 350 forms 151–500 $0.99
Next 500 forms 501–1,000 $0.60
Beyond 1,000 every form after $0.45

What 1,500 1099-INT forms actually costs

First 150 forms at $1.99 $298.50
Next 350 forms at $0.99 $346.50
Next 500 forms at $0.60 $300.00
Final 500 forms at $0.45 $225.00
Total — an average of $0.78 per form $1,170.00

Optional add-ons

State Filing $0.99 / form

Direct filing for 41+ states. CFSF states are always free.

Print & Mail $1.69 / form

USPS first-class recipient copies from a SOC 2 audited facility.

E-Delivery $0.19 / form

Encrypted PDF copies emailed to your recipients.

TIN Matching $0.49 / check

Validate name/TIN pairs before filing to avoid penalties.

Included at no extra cost

  • Direct IRS e-filing — no Form 1096 needed, it is a paper transmittal
  • Free recipient PDF copies to download and share
  • Bulk Excel/CSV import and built-in error validation
  • CFSF state filing for participating states
  • Secure storage of your filing data for 4 years

1099, 1098, W-2G, 5498 forms share this tier table. Volume tiers are counted per form type within a filing, so a large batch of 1099-INT reaches the cheapest band on its own.

Estimate Your Filing Cost

Frequently Asked Questions: Filing 1099-INT Online

Common questions about e-filing Form 1099-INT with TaxFormHero. Still stuck? Contact our support team or browse the full FAQ page.

Banks, credit unions, brokerages, businesses, government entities and other payers that paid $10 or more of amounts reportable in boxes 1, 3 or 8 to a person during 2026. Filing a 1099-INT is not limited to financial institutions. A separate $2,000 threshold applies to certain interest paid in the course of your trade or business rather than on a deposit account — that figure was $600 before 2026 and is adjusted for inflation each year. You also file whenever you withheld federal income tax under backup withholding, no matter how small the interest was, and when you withheld and paid foreign tax on interest.

Yes. Tax-exempt interest is reported in box 8 and any private activity bond interest in box 9. It is not taxable to the recipient at the federal level, but it still has to be reported.

Backup withholding may apply when a payee fails to furnish a TIN in the required manner, after certain IRS incorrect-TIN notices, or when the IRS notifies you that the payee is subject to backup withholding because of underreported interest or dividends. The rate is 24% and the amount withheld goes in box 4. Each trigger has its own timing rules, so check the current IRS rules rather than withholding on the next payment automatically. TIN Matching can identify a name/TIN mismatch before you file — we offer it as a $0.49 add-on — but it does not replace the required payee certifications or the backup-withholding rules.

Generally no. Corporations are exempt recipients for interest reporting, along with tax-exempt organizations, IRAs, and government units. Keep a Form W-9 on file showing the exemption.

Recipient copies are due February 1, 2027. The IRS copy is due March 1, 2027 on paper and March 31, 2027 if you e-file. Because TaxFormHero files electronically you get the later IRS date, and we timestamp every submission so you have proof of filing. The February 1 date is not arbitrary: January 31, 2027 falls on a Sunday, and the IRS General Instructions for Certain Information Returns say, "If the regular due date falls on a Saturday, Sunday, or legal holiday in the District of Columbia or where the return is to be filed, file by the next business day."

If you file 10 or more information returns of any kind in the year, the IRS requires all of them to be filed electronically. That count is aggregated across every form type you file — ten 1099s and one W-2 puts you over the line. TaxFormHero is an IRS-authorized e-filing platform, so filing here satisfies the mandate.

$1.99 per form at the entry tier, dropping to $0.45 per form at volume, with no signup fee and no subscription. You only pay when you transmit. State filing, print & mail, e-delivery, and TIN matching are optional add-ons priced separately.

Yes. Open the form in your dashboard, tick Corrected, fix the figures, and transmit again — we submit it to the IRS as a correction and generate a fresh recipient copy. There is no separate charge for filing a correction to a form you originally filed with us.

The IRS charges a per-form penalty that increases the longer you wait, and it rises again if the failure is judged intentional. Penalties apply separately to the IRS copy and the recipient copy, so a single late form can be charged twice. Filing accurate returns and furnishing recipient statements by the applicable deadlines is what avoids both.

Deadline for Filing Form 1099-INT (Tax Year 2026)

Recipient copy February 1, 2027
Paper to IRS March 1, 2027
E-file to IRS March 31, 2027

Filing 10 or more information returns in aggregate means e-filing is required, so the e-file date is the one that applies to most filers.

Reviewed by Nazrul Huda, MSA, IRS PTIN Holder · last reviewed

File This Form

E-File 1099-INT Now View All Forms

Before You File

Make sure you have the recipient's correct legal name and TIN before filing. If you need to request taxpayer information, you can collect it securely through TaxFormHero.

W-9 collection software

Related Forms

Need Help?

Our support team can walk you through filing 1099-INT.

Contact Support