Don’t let tax season sneak up on you in 2026! It’s not too early to start preparing by gathering necessary documents and having a plan for how and when you will file.

If you are expecting a larger-than-normal return this year, you can also think ahead to how you might put that money to work for you by helping it grow.

For example, First Commerce Credit Union offers certificates of deposit (CDs) that can keep your savings secure with reliable returns.

Filing taxes can be a stressful process, but ensuring accuracy and security is crucial to avoid penalties and identity theft. Whether you file independently or with professional assistance, here are some key tips to help you file your taxes safely.

File Early to Avoid Fraud. One of the best ways to protect yourself against tax fraud is to file your taxes as early as possible. Scammers often attempt to file fraudulent returns using stolen personal information. By filing early, you reduce the chance of someone else fraudulently submitting a return in your name

Choose a Reputable Tax Filing Service. If you’re using online tax software, ensure it’s from a reputable provider with robust security measures. Look for services that offer multi-factor authentication and data encryption. If you’re working with a tax professional, verify their credentials through the IRS Directory of Federal Tax Return Preparers

Watch Out for Phishing Scams. Scammers often impersonate the IRS through emails, phone calls, and text messages. The IRS will never contact you via email or text to request personal information. If you receive suspicious communications, do not respond. Instead, report phishing attempts to the IRS at phishing@irs.gov.

Verify Your Return Before Submitting. Before submitting your return, review it for errors or missing information. Incorrect details can lead to processing delays or even audits. Double-check your account numbers for direct deposit refunds to prevent funds from being misdirected.

Use IRS E-File and Direct Deposit. Filing electronically and opting for direct deposit is not only faster but also safer than mailing paper returns. The IRS’s e-file system is secure and reduces the chance of lost or stolen documents.

Track Your Refund. After filing, use the IRS “Where’s My Refund?” tool to track the status of your return. This helps ensure your refund is processed correctly and alerts you to any potential issues.

By following these tips, you can file your taxes safely while minimizing risks and ensuring compliance with IRS regulations.

First Commerce members get special discounts on tax prep services. To learn more, click here.

Additionally, the FCCU Foundation, a non-profit subsidiary of First Commerce offers a variety of educational resources through SmartMoney Online.