Reference code 5511.
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
What to do.
A bank returned part of the split deposit; that part was mailed as a check.
Codes in the same group.
Questions people ask
What does reference code 5511 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 5511?
A bank returned part of the split deposit; that part was mailed as a check.
Sources
Checked against these sources on October 30, 2026.