Tax season may not be anyone’s favorite time of year, but it doesn’t have to be overwhelming. With a little preparation and the right financial tools in place, you can navigate the weeks leading up to April 15 with confidence, clarity, and peace of mind.
Whether you're filing early or finishing up the last details, the checklist below will help you stay organized and make the most of this year’s tax season.
1. Gather All Important Tax Documents
Start by collecting the forms you’ll need before you begin filing. These may include:
- W‑2s from your employer
- 1099s for freelance or contract work
- 1098 forms for mortgage interest or student loan interest
- Charitable donation receipts
- Property tax and investment income statements
Keeping everything in a single folder (digital or physical) ensures you’re ready when it’s time to file.
2. Review Last Year’s Return
A quick look at your previous return can help you:
- Identify overlooked deductions or credits
- Save time entering recurring information
- Avoid missing any forms you typically receive
This simple step often prevents common filing mistakes.
3. Look for New Tax Credits or Deductions
Tax laws shift from year to year, and even small changes can affect your refund.
Potential savings to explore:
- Energy‑efficient home improvements
- Child tax credits
- Education‑related deductions
- Retirement contributions
If you made major financial changes last year — a home purchase, new job, or new dependents you may qualify for additional benefits.
4. Set Up Direct Deposit for Faster Refunds
If you're expecting a refund, direct deposit is the fastest, safest way to receive your funds.
By setting up direct deposit through your America’s Christian Credit Union account, you can receive funds up to two days earlier depending on employer and processing times.
5. Switch to eStatements for Faster, Safer Recordkeeping
Paper statements can be delayed, lost, or misplaced especially during tax season. eStatements give you:
- Instant access
- Secure digital records
- Easier document gathering
- No paper clutter
They’re simple to enable and help streamline your entire financial life. Here's how to setup eStatements in your ACCU online banking account.
6. Plan Ahead for Next Year
Once this tax season is behind you, now is the perfect time to prepare for the next:
- Adjust withholding if your refund was too large or too small
- Track tax‑deductible expenses throughout the year
- Consider opening a savings account dedicated to tax payments
Small habits now can mean a stress‑free filing experience next year.
Make This the Easiest Tax Season Yet
A little planning goes a long way and we’re here to support you every step of the way. From direct deposit to digital tools that simplify your financial life, America’s Christian Credit Union provides the resources you need for a smooth, confident tax‑filing experience.