Direct Debit Installment Agreement (DDIA)
For a direct debit installment agreement, you must provide your checking account number, your bank routing number, and written authorization to initiate the automated withdrawal of the payment.
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A payment plan with the IRS where you agree to have your monthly payments automatically withdrawn from your checking account is a direct debit installment agreement (DDIA). A DDIA has several advantages: lower user fees and less chance the agreement will default. If you request your DDIA by filing Form 9465, Installment Agreement Request or by calling the IRS, your user fee is $107. If you apply for the DDIA online through the IRS Online Payment Agreement tool, the user fee is $31. The user fee for a regular pay by check installment agreement is $225 or $149 if requested through the online tool.
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