Direct Debit Installment Agreement (DDIA)
For a direct debit installment agreement, you must provide your checking account number, your bank routing number, and written authorization to initiate the automated withdrawal of the payment.
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A payment plan with the IRS where you agree to have your monthly payments automatically withdrawn from your checking account is a direct debit installment agreement (DDIA). A DDIA has several advantages: lower user fees and less chance the agreement will default. If you request your DDIA by filing Form 9465, Installment Agreement Request or by calling the IRS, your user fee is $107. If you apply for the DDIA online through the IRS Online Payment Agreement tool, the user fee is $31. The user fee for a regular pay by check installment agreement is $225 or $149 if requested through the online tool.
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Related tax terms
Related IRS notices
IRS Letter 1962C - Direct Debit Installment Agreement Granted/Revised
IRS Notice CP57 - Insufficient Funds Penalty
IRS Notice CP501 - You Have Unpaid Taxes, Amount Due
IRS Notice CP503 - Second Reminder About Unpaid Taxes
IRS Notice CP504 - Intent to Levy State Tax Refund or Other Property