Reference code 5520.
Split Direct Deposit more than 1 week ago
Deposit or check problem
See how long people with this situation waited, from their transcripts.
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What it means.
The IRS manual's wording:
Split Direct Deposit more than 1 week ago
What to do.
The split deposit went out over a week ago. Check each account; then request a trace for the missing part.
Codes in the same group.
Questions people ask
What does reference code 5520 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 5520?
The split deposit went out over a week ago. Check each account; then request a trace for the missing part.
Sources
Checked against these sources on October 30, 2026.