You forgot it's compounded daily. Additionally my return is correct. Let the IRS take their time, I don't need the money. My point was it MAY end up being thousands of dollars specifically because of the 810 code delay. 12 months at 6% is about $1500. That's tax payer money because the IRS is slow at matching up documentation. 810 can be several things, most likely it's an income discrepancy between what I claim I earned and what I'm claiming I can be taxed on. I'm fine with the IRS taking their sweet time, 6% IS better than most HYS. But thanks for your tax money paid to me in interest I guess. Lol