Tax Documents and Tax Filing Tool Kit

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TurboTax Instead of scrambling to find the right paperwork and to ensure that you are getting your biggest tax return, we've made tax planning and filing easy for you. Use this Tax Filing Tool Kit to guide you through the process.

Provident Credit Union has teamed up with TurboTax so you can save up to $15 on TurboTax federal products. We make it easy to transfer last year's tax info.*

2018 Provident Tax Documents

Your 2018 Provident tax documents will be available according to this schedule. In addition to being mailed, they will be available within online banking for members enrolled in e-Documents.

View the schedule showing when the forms will be mailed and available online.

Document Availability

Frequently Asked Questions (FAQs)

Click on a question to scroll to the answer.

Refunds

The fastest way to get your tax refund is direct deposit. It's free to deposit your refund into your Provident account. Include Provident's routing number — 321171731, along with your Provident account number in the applicable area found in the "refund" section of your tax return.

Helpful Links

Printed tax booklets are no longer mailed by the IRS or California's Franchise Tax Board unless requested, but printable PDF forms and publications are available online. They are also available at taxpayer assistance centers or from participating libraries, post offices, and other government locations.

For forms and publications, visit the state and federal Web sites.

Got questions? Need help?

Provident suggests these products and services as ways to potentially minimize your taxes.

Articles and tax strategies.

Frequently Asked Questions (FAQs)

Q.

When are tax returns due?

A.

Tax day is Monday, April 15, 2019.

Q.

How come I did not receive a Form 1099-INT?

A.

Form 1099-INT is not sent when dividend income is less than $10. This applies to savings, checking, term certificate, and impound accounts.

View the complete list of forms to determine if you will receive any.

Q.

Where is my 1099-INT form for my escrow account?

A.

In previous years, members received two separate 1099-INT forms for their escrow account and dividend-earning deposit accounts (if eligible). Members who would normally receive two 1099-INT forms will now receive one consolidated form that aggregates total dividend income.

View the complete list of forms to determine if you will receive any.

Q.

Will I receive any tax documents from Provident?

A.

If you earned at least $10 or more in dividends, you will receive Form 1099-INT. All dividends earned with Provident in 2018 is accumulated and included on one document for your convenience. This applies to savings, checking, term certificate, and impound accounts.

You may receive other forms for the following reasons:

  • Distributions and/or contributions involving retirement (IRA), education (ESA), or health savings (HSA) accounts
  • You paid tax deductible interest on auto or home loans.
  • Cancellation of debt income

View the complete list of forms to determine if you will receive any.

Q.

When will I receive my tax forms?

A.

The following table shows when the forms will be mailed and available online from the e-Documents tab of online banking.

Form # Form Description Mail Date Online Forms Available
1099-INT Interest income statement Jan 31 Jan 31
1099-R Reported IRA distributions Jan 31 Feb 24
1099-Q Reported Coverdell ESA distributions Jan 31 Feb 24
1099-SA Reported HSA distributions Jan 31 Feb 24
FMV/RMD Fair market value of retirement account Jan 31 Feb 24
1098 Mortgage interest Jan 31 Jan 31
1098-HELOC Home Equity Line of Credit interest Jan 31 n/a
1042-S Foreign person's US source income subject to withholding March 15 n/a
1099-C Cancellation of debt Jan 31 n/a
5498-ESA Reported IRA Coverdell contributions April 30 April 30
5498 Reported IRA contributions May 31 May 31
5498-SA Reported HSA contributions May 31 May 31
Note: We will make every effort to have all tax forms available to you by the dates listed above. In the event that we are unable to have the forms available to you by that time, we will notify you.
Q.

Why didn't I receive my tax forms earlier?

A.

Each financial institution's policy on mailing out tax forms may differ. By law, we are required to mail out tax forms by January 31st.

Q.

Are 1098s generated for auto loans used for business purposes?

A.

No.

Q.

Why aren't 5498s sent out in January?

A.

5498s cannot be generated until after April 15th since this is the deadline to make contributions for 2018. These tax forms are generated for your information only; they are not required to file your tax returns.

Q.

What should I do if my tax form needs to be corrected?

A.

Please call us at (800) 632-4600 for assistance.

Q.

I've lost my paper tax form. Where can I get another copy?

A.
  • If you are enrolled in e-Documents through online banking, you can access an electronic copy of your tax forms for free. Simply click on the e-Documents tab and select your desired tax form under the Tax Statement section.
  • If you are not enrolled in e-Documents, but are enrolled in online banking, sign on and click on the e-Documents tab to access the enrollment link.
  • Click here if you need to enroll in online banking.
  • For a paper copy, please visit your local Provident branch, or call us at (800) 632-4600, option 0 to request a duplicate or corrected tax document. A fee of $6 will be charged for each duplicate tax form requested.
Q.

I would like to receive an electronic copy of my tax form, but I haven't signed up for online banking. How do I enroll?

A.

Click here for more information about online banking and how to enroll.

Note: Members that are not currently enrolled in e-Documents that want to retrieve their tax forms online may enroll in e-Documents and their 2018 tax statements will appear within the e-Documents tab within online banking.

Q.

I'm a co-borrower on the mortgage, why does my name not show on the 1098- Mortgage Interest Statement?

A.

Even though there may be multiple borrowers on a mortgage, Provident Credit Union is required to prepare the 1098- Mortgage Interest Statement in the name of the Payer of Record.

The Payer of Record is defined by the I.R.S. as the "principal borrower".

Q.

I'm a co-borrower on a mortgage, how do I claim my portion of the interest paid?

A.

The "principal borrower" can provide you with a copy of the 1098- Mortgage Interest Statement prepared by Provident Credit Union. Co-borrower/Members should consult their tax preparer, certified public accountant or a tax attorney with any other questions.

Q.

Why is there an amount shown in Block 4 and what is this for?

A.

If there is an amount shown in Block 4 of the 1098- Mortgage Interest Statement, this amount represents the Private Mortgage Insurance (PMI) premiums you paid in 2018.

Members should consult their tax preparer, certified public accountant or a tax attorney with any questions about tax deductibility.

 

 

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