What you’re agreeing to
Your signature or electronic filing authorization carries legal weight, even if someone else prepares the return for you. Legally, you’re confirming that:
- You’ve reviewed the return and any accompanying schedules and statements.
- You believe the information is accurate and complete.
- If you’re e-filing, you consent to having your return submitted to the IRS.
The return isn’t valid if you don’t sign, and a missing signature could delay your refund.
Paper signatures vs. electronic signatures
How you’ll sign and submit your tax return depends on whether you submit a paper return or e-file. If you’re mailing a paper return, you’ll sign and date page 2 of Form 1040 or page 3 of Form 1040-SR.
If you e-file by yourself, you’ll use a five-digit Self-Select PIN as your electronic signature. If you use a tax preparer, you may sign Form 8879 to authorize the use of your PIN and electronic filing.
What happens after you submit your return
Once you submit the return, the IRS processes it and either accepts or rejects your return within 24 to 48 hours. It also compares the information you report against information from third parties, like W-2s and 1099s. The IRS may contact you about any discrepancies.
If you receive a refund, direct deposits should arrive within three weeks after e-filing and six weeks or more with paper returns. If you owe money, you’ll need to either pay by the deadline to avoid fees and penalties or set up a payment plan.
What signing doesn’t automatically authorize
Signing your return doesn’t give the IRS permission to withdraw money from your bank account unless you authorize a payment.
Signing also doesn’t give your preparer unlimited authority to act on your behalf. You can allow them to discuss certain questions about your return with the IRS, but that permission is limited. Lenders also can’t access your return without your explicit permission.
Signing a joint return
If you’re Married Filing Jointly, both spouses must sign and date the tax return, including using their own electronic signatures when e-filing. It’s a good idea to review the entire return together before signing.
