Tax season is basically the adult version of waiting for a report card you know is going to be mediocre. You're sitting there, staring at your kitchen table covered in receipts, wondering why on earth you haven't seen your Chase Bank 1099 INT in the mail yet. It's frustrating. Honestly, it’s even more annoying when you realize that the IRS already knows exactly how much interest you made, but you’re stuck playing a guessing game with your own login credentials.
If you earned more than $10 in interest last year from your Chase savings, checking, or certificate of deposit (CD) accounts, the bank is legally required to tell the IRS about it. They also have to tell you. But "telling you" doesn't always mean a crisp white envelope shows up in your physical mailbox on January 2nd.
Most people freak out thinking they’ve missed a deadline or that Chase lost their data. Usually, it’s just a matter of knowing where the "Paperless" toggle is hidden in the mobile app.
The $10 Rule and Why Your Balance Matters
Let’s get the math out of the way first. If you made $9.99 in interest, Chase isn't going to send you a 1099-INT. You still technically owe taxes on that nine bucks—because the IRS wants their cut of everything—but there’s no official form generated for it. It’s sort of a "don't ask, don't tell" situation that most taxpayers just ignore, though a strict CPA would tell you to report it anyway.
But once you cross that $10 threshold, the machinery starts moving. Chase tracks every penny of interest across all your accounts. If you have multiple accounts, you might get one consolidated form, or you might get several. It depends on how your accounts are linked under your Social Security number or Taxpayer Identification Number (TIN).
Wait, did you open a new account mid-year?
Sometimes those "New Account Bonuses" catch people off guard. If Chase gave you $300 for opening a Total Checking account, that isn't a gift. It’s interest. That bonus will almost certainly trigger a Chase Bank 1099 INT, and it might be the only reason you’re getting one if your actual savings account balance is low.
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Finding Your Chase Bank 1099 INT Online
Most of us have gone paperless without even realizing it. You probably clicked a "Go Green" button three years ago to get a $5 credit or just to stop the clutter, and now your tax forms are living in a digital vault.
To find them, you’ve gotta log into the Chase website or the mobile app. Don't just look at "Statements." There is a specific section usually labeled "Tax Documents."
- Log in to Chase.com.
- Look for the "Paperless" or "Statements & Documents" link.
- Use the dropdown menu to filter by "Tax Documents."
- If it's before January 31st, don't panic if the 2025 folder looks empty.
The bank has until January 31st to post these. If February 1st rolls around and you still see nothing, that's when you start calling customer service. But seriously, check the "Tax Documents" tab first. It saves you a 45-minute hold time listening to that elevator music.
Why Is It Taking So Long?
Chase handles millions of customers. They don't just hit "print" on January 1st. They batch these things. If you have a complex portfolio—maybe some private client investments mixed with a standard savings account—your forms might be delayed while they reconcile the numbers.
Also, keep in mind that the Chase Bank 1099 INT specifically covers interest. If you sold stocks through a Chase investments account (J.P. Morgan Self-Directed Investing), you're looking for a 1099-B, which often arrives later in February. People mix these up constantly. They see the 1099-INT and think they're done, only to get hit with an amended return necessity three weeks later because their investment gains finally showed up.
What Happens if You Ignore the 1099-INT?
IRS computers are very good at one specific thing: matching.
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When Chase sends a copy of your Chase Bank 1099 INT to the IRS, it goes into a massive database linked to your SSN. When you file your taxes, the IRS computer looks at what you reported versus what Chase reported. If the numbers don't match, the system flags it.
You won't get tackled by agents in tactical gear. Instead, you'll get a CP2000 notice in the mail about six to eighteen months later. It’ll say something like, "Hey, you forgot about this $42 in interest from Chase. Now you owe us the tax on that, plus interest, plus a small penalty."
It’s a headache. It’s much easier to just download the PDF now.
Errors Happen Even at Big Banks
Rarely, Chase gets it wrong. Maybe they reported interest on an account that isn't yours, or the amount is wildly off because of a corrected transaction.
If you see a mistake on your Chase Bank 1099 INT, you can't just cross it out and write the right number on your 1040. You have to contact Chase and ask for a "Corrected 1099-INT." They will issue a new one to both you and the IRS. If you just ignore it and file what you think is correct, the IRS matching system will still flag the discrepancy because their copy of the form still has the old, "wrong" number.
Practical Steps to Take Right Now
Stop waiting for the mailman. Physical mail is slow, gets lost, or ends up in your neighbor's shredder by mistake.
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First, go into your Chase mobile app settings and check your "Delivery Preferences." If it says "Electronic Only," you are never getting a paper form. Period. Switch it to paper if you really love physical files, but honestly, the PDF is better for your tax software anyway.
Second, if you're using TurboTax, H&R Block, or TaxAct, use the "Import" feature. Chase is one of the biggest partners for these platforms. You can usually just sign in through the tax software, and it will suck all the data from your Chase Bank 1099 INT directly into your return. No typing. No typos. No accidentally entering $1,000 instead of $100.
Third, archive the PDF. Even if you use an accountant, keep a copy in a secure cloud folder. Chase only keeps these online for a certain number of years (usually seven), and if you get audited in 2029 for your 2025 returns, you’ll be glad you saved it.
Lastly, double-check your "Year-to-Date" interest on your December statement. If that number is over $10 and you don't see a form by early February, it's time to reach out to a Chase representative. They can usually generate a duplicate or tell you exactly why the form hasn't been produced yet. Sometimes, it's as simple as an old address on file or a dormant account status that gummed up the works.
Get your documents in order before the April rush. It’s the only way to keep your sanity during tax season.