1099-Interest

A 1099-INT is sent to individuals that receive interest income on bonds, money market accounts, and savings accounts. Use the information provided by the IRS to fill in the fields on the 1099-Interest tab. The fields are listed in alphabetical order.

In this Topic Hide

1099-Interest

Early withdrawal penalty

Federal income tax withheld

Foreign country

Foreign tax paid

Investment expense

Interest income

Specified private activity bond interest

Tax-exempt interest

U.S. savings bond

Early withdrawal penalty

Use Early Withdrawal Penalty to enter the amount of interest or principal forfeited because of an early withdraw of  time deposits that are deductible from gross income by the recipient.

Federal income tax withheld

Use Federal Income Tax Withheld to enter the backup federal income tax withholding. Backup withholding will apply

1. If the payee fails to furnish his or her taxpayer identification number (TIN) to you.

2. For interest dividend, and broker and barter exchange accounts or instruments acquired after 1983, the payee fails to certify, under penalties of perjury, that the TIN provided is correct.

3. The IRS notifies you to impose backup-withholding because the payee furnished an incorrect TIN.

4. For interest and dividend accounts or instruments, you are notified that the payee is subject to backup withholding.

5. For interest and dividend accounts opened or instruments acquired after 1983, the payee fails to certify to you, under penalties of perjury, that he or she is not subject to backup withholding.

Foreign country

Use Foreign Country to enter the name of the foreign country or U.S. possession to which the withheld tax applies.

Foreign tax paid

Use Foreign Tax Paid to enter the amount of foreign tax withheld and paid on interest.

Investment expense

Use Investment Expense to enter the regular interest holder's pro-rata share of investment expenses deductible by a single-class REMIC.

Interest income

Use Interest Income to enter the amount of interest paid or accrued to the regular interest holder.

Specified private activity bond interest

Use Specified Private Activity Bond Interest to enter interest of $10 or more of interest from specified private activity bonds. Generally, “specified private activity bond” means any private activity bond defined in section 141 and issued after August 7, 1986. See section 57 (a)(5) for more details. Also see the instructions for Form 6251, Alternative Minimum Tax-Individuals. Include exempt-interest dividends paid by RIC on a specific private activity bonds to the extent that the dividends are attributable to interest on the bonds received by the RIC minus an allocable share of the expenses.

Tax-exempt interest

Use Tax-exempt Interest to enter interest of $10 or more that is credited or paid to the person's account if that interest is used to finance government operations and is issued by a state, the District of Columbia, a U.S. possession, an Indian tribal government, or a political subdivision.

A political subdivision includes port authorities, community redevelopment agencies, and qualified volunteer fire departments. Include in Box 8 any accrued interest on these bonds sold between interest dates (or on a payment date). Also include any exempt-interest dividends from a regulated investment company (RIC). Do not include any exempt-interest dividends on Form 1099-DIV, Dividends and Distributions. Original issue discount (OID) on tax-exempt state or local government bonds is treated as tax-exempt interest and is included in Box 8. Included specified private activity bond interest in Box 9 and in the total for Box 8.

U.S. savings bond

Use U.S. Savings Bond to enter the amount of interest on U.S. Savings Bonds, Treasury bills, bonds, and notes.