How to Fax IRS Form 433-D — Finalize a Direct-Debit Installment Agreement
Form 433-D is the signed agreement that puts an installment plan into effect, typically after the terms have been worked out with the IRS. It records the balance, the monthly payment amount and date, and the bank account the IRS will draft for direct-debit payments. Where Form 9465 requests a plan, the 433-D is often the document that memorializes and activates it, especially for direct-debit arrangements. It ties the taxpayer's identity to both the debt and the bank account funding the payments.
Why this form is faxed
When an IRS representative finalizes an installment agreement, they frequently ask the taxpayer to return the signed 433-D by fax so the direct-debit plan can be set up promptly. Faxing delivers the signed agreement as a fixed document to the office arranging the plan and gives the taxpayer a dated record. That confirmation helps document that the agreement was returned within the timeframe the IRS gave.
Where it goes
Form 433-D goes to the specific IRS office or representative arranging the installment agreement, so the correct destination is the one they provide when the plan is set up — it is not a single public filing address. Confirm the number with the IRS office handling your agreement or on the paperwork they send rather than reusing an old one, since 433-D routing follows the case, not a fixed center.
How to fax IRS Form 433-D (Installment Agreement)
- 1Verify the balance, monthly payment amount, and payment date on the form match what the IRS agreed to
- 2Enter the bank routing and account numbers for the account the IRS will draft for direct-debit payments
- 3Sign and date the agreement to authorize the recurring withdrawals
- 4Confirm the fax destination directly with the IRS office or representative who arranged the plan
- 5Log in to Send FAX Mail, upload the signed PDF, enter the confirmed number, and send
- 6Save the transmission confirmation as your record of when the signed agreement was returned
Handling sensitive information
Form 433-D is among the more sensitive tax documents to fax because it carries the taxpayer's identifying number, the balance owed, and full bank routing and account numbers authorizing recurring withdrawals. Send it only to the number the IRS office arranging your plan provides, since a misdirected 433-D exposes exactly the banking details needed to pull money from the account.
Faxing IRS Form 433-D (Installment Agreement) — FAQ
Form 9465 is how you request an installment agreement, while Form 433-D is often the signed document that finalizes and activates one, especially for direct debit. In practice a representative may generate the 433-D once terms are settled and ask you to sign and return it. Think of 9465 as the ask and 433-D as the executed agreement.
Because it authorizes the IRS to draft your monthly payment directly from your account, the form needs your routing and account numbers to set up the recurring withdrawal. That makes the document highly sensitive. Confirm the fax destination with the IRS office handling your plan before sending anything with those numbers on it.
Missing payments can put the installment agreement in default, which may reopen more aggressive collection on the balance. Keeping enough in the account on the scheduled date protects the plan. If your circumstances change, contact the IRS office managing the agreement before a payment is missed rather than after.
Yes. Retain a copy of the signed 433-D along with your fax confirmation so you have proof of the agreed terms and the date you returned it. If a payment or the plan itself is ever questioned, that record shows what you authorized and when. Store it with your other tax paperwork.
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