Which Banks Send Out Tax Form 1099? (Discussion Post for 2025 Tax Forms)

January and the ensuing months are Form 1099 season! Each year there are interesting developments that happen with regards to banks issuing form 1099s for interest, bank bonuses, referral bonuses, etc. Remember that time when Chase considered 500 Ultimate Rewards points as $500 on the Form 1099? And they followed up in 2024 by considering certain credit card signup bonuses as 1099 income. I digress…

Most of the standard tax forms for 2025 will be sent out by the end of January 2026, per federal bank rules. There are a few tax forms which are sent out in later months.

The comments here are a dedicated discussion post where we can discuss all things related to tax form 1099 for year 2025: when forms become available, which banks don’t send out 1099s, which earnings are supposed to be reported on the form 1099, referral bonus discussion, and any other weirdnesses that happen.

I’ll add in below any specific tidbits that catch my eye. If there is a significant story we’ll publish that separately as well.

Note, receiving a tax form or not receiving one has no bearing on your actual tax liability. This discussion is just to inform people on what to expect, when to look out for a form, check for any mistakes, remember to report something from a bonus that isn’t getting a tax form, etc. Consult a tax advisor about actual tax liability.

You can go to the IRS to view all tax forms that came to your name the prior year. This feature doesn’t finalize until July, but useful for someone who did an extension for their taxes. (Instructions: Log in to https://www.irs.gov/ > Hover over “Records and Status” > Click “Information Return Documents” > Expand the tax year you want to view.)

Some other general 1099 posts on the site:

Specific reports and tidbits for 2025 tax forms, sent out in early 2026:

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