Reference code 5510.
Split direct deposit
Deposit or check problem
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What it means.
The IRS manual's wording:
Split direct deposit - returned by the bank - check mailed - with partial offset
What to do.
A bank returned part of the split deposit and a check was mailed; part of the refund also paid a debt.
Codes in the same group.
Questions people ask
What does reference code 5510 mean?
The direct deposit failed or came back. The IRS manual's own wording is quoted on this page.
What should I do about code 5510?
A bank returned part of the split deposit and a check was mailed; part of the refund also paid a debt.
Sources
Checked against these sources on October 30, 2026.