Why Mailing Your Tax Return at the Last Minute Can Be Risky
- Scott Kline
- 6 days ago
- 2 min read
For many years, taxpayers followed a simple and reliable rule: if your tax return or payment was mailed by the deadline, the IRS considered it timely filed. Unfortunately, changes in U.S. Postal Service (USPS) processing have made that assumption far less dependable.
Today, mail is often postmarked at regional processing centers rather than at your local post office. These facilities may be located hours away, and reduced transportation schedules can delay when mail is actually processed.
That means a return dropped off on April 15 could receive a postmark dated April 16—or later. From the IRS’s perspective, that filing is late, even if you did everything right. Being just one day late can result in penalties and interest of up to 5% of the tax due.
Adding to the uncertainty, some USPS mail is processed without a postmark at all.
It’s also important to note that postage printed at home or purchased through self-service kiosks does not count as proof of timely mailing. These labels only show when postage was purchased, not when the USPS officially accepted the mail.
How To Reduce the Risk
If you plan to file by mail, taking a few extra steps can help protect you:
Visit a post office retail counter and ask the clerk to apply a manual post mark.
Use certified mail which provides a post marked receipt and serves as legal proof of mailing.
Consider electronic filling and payment, which provides an electronic postmark and removes delivery uncertainty
Alternatively, use IRS-approved private delivery services, which also qualifies as timely proof of filing.
A Small Choice That Can Make a Big Difference
How you submit your return may seem like a minor detail, but it can have real financial consequences. Choosing a reliable filing method can help you avoid unnecessary penalties, interest, and frustration.
If you have questions about filing options or want guidance on the best approach for your situation, the team at Albrite Financial is here to help. We’re happy to walk through your options and ensure your filings are handled with care and confidence.
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