Find all your 1099-INTs in one place, stress-free
Everything you need to manage your tax documentation in one secure location.
Where can you find your 1099-INT?
1. Log in
Log in to the Raisin platform
2. Go to Documents
Go to "Documents," then "Tax documents"
3. Download
Select documents to download as PDFs
Who will get a 1099-INT?
You will only receive tax documents for years during which you earned $10 or more in interest via Raisin. If you have a joint account, only the primary account holder is able to access tax documents for any shared accounts. In addition, only the primary account holder of a deposit account will receive tax documentation.
When will you get your 1099-INT from Raisin?
Your 1099-INT will be available in the Raisin platform no later than January 31. If you haven't opted in for digital-only tax documents, a physical copy will be mailed to you no later than January 31. Mailed tax documents should arrive by mid-February.
Why are you getting 1099-INT at a custodian-bank level?
Many of our customers hold multiple savings products on our platform. In order to minimize your paperwork, we are now issuing 1099-INTs per custodian bank, rather than per product bank or credit union.
Each of our partner banks and credit unions is mapped to a specific custodian bank. For reporting purposes, Raisin aggregates interest you earned across a group of institutions under each custodian.
For example, if your earnings for this year were as follows...
Why are you getting 1099-INT at a custodian-bank level?
Many of our customers hold multiple savings products on our platform. In order to minimize your paperwork, we are now issuing 1099-INTs per custodian bank, rather than per product bank or credit union.
Each of our partner banks and credit unions is mapped to a specific custodian bank. For reporting purposes, Raisin aggregates interest you earned across a group of institutions under each custodian.
For example, if your earnings for this year were as follows...
Bank Name | Custodian Bank | Interest Income |
Partner Bank 1 | Custodian Bank A | $15 |
Partner Bank 2 | Custodian Bank A | $20 |
Partner Bank 3 | Custodian Bank B | $25 |
You will receive 2 Form 1099-INTs:
- One form with Custodian Bank A listed as the payer with an aggregated interest income of $35 ($15+$20)
- One form with the Custodian Bank B listed as the payer with an aggregated interest income of $25
Other useful FAQs
What is a custodian bank?
To ensure the Raisin platform is as safe and secure as possible, we work with federally regulated banks as the custodians of your funds. These custodian banks establish accounts at each bank or credit union on our platform and hold the funds there for the benefit of customers. This allows you to open one single Raisin account with the custodian banks while funding multiple products at different financial institutions if you so choose. Raisin never touches your funds and they are always held with a federally regulated institution for your safety and security.
Will I receive a consolidated Form 1099-INT with information about all of my accounts on the Raisin platform?
Yes, you will receive a consolidated Form 1099-INT for all products where your aggregated earned interest per custodial bank is equal to or higher than $10.
How is payer reporting identified for Form 1099-INT?
Each partner bank is mapped to a specific custodial bank (details of this mapping can be found here). For reporting purposes, Raisin aggregates the interest you earned across a group of institutions under each custodian.
For example, if you earned:
- $15 from Partner Bank 1, associated with Custodian Bank A
- $20 from Partner Bank 2,, associated with Custodian Bank A
- $25 from Partner Bank 3, associated with Custodian Bank B
You will receive 2 Form 1099-INTs:
- One form with Custodian Bank A listed as the payer with an aggregated interest income of $35 ($15+$20)
- One form with the Custodian Bank B listed as the payer with an aggregated interest income of $25
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The Raisin name and logo are trademarks of Raisin SE. All other trademarks, logos, marks, and brand names are the property of their respective owners.
*APY means Annual Percentage Yield. APY is accurate as of May 10, 2026. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $1.00.
Raisin is not an FDIC-insured bank, and FDIC deposit insurance only covers the failure of an insured bank.
Raisin is not an NCUA-insured credit union. NCUA deposit insurance only covers the failure of an insured credit union.
Raisin does not hold any customer funds. Customer funds are held in various custodial deposit accounts. Each customer authorizes the Custodial Bank to hold the customer’s funds in such accounts, in a custodial capacity, in order to effectuate the customer’s deposits to and withdrawals from the various bank and credit union products that the customer requests through Raisin.com. The Custodial Bank does not establish the terms of the bank or credit union products and provides no advice to customers about bank or credit union products offered by the applicable bank or credit union through Raisin.com. Each customer also authorizes the Service Bank to move funds among the various banks and credit unions at the customer’s request. First International Bank & Trust (FIBT), Member FDIC, is the Service Bank. Bell Bank and Starion Bank, each Member FDIC, are the Custodial Banks.
†Based on $250,000 in FDIC or NCUA insurance coverage per insurable category of ownership at each partner bank or credit union on the Raisin platform (each a "Product Bank"), when aggregated with all other deposits held by you at such Product Bank and in the same insurable category. Deposits made through Raisin will be eligible to receive deposit insurance from the FDIC or the NCUA (each a "Deposit Insurer") in accordance with and up to the maximum amount permitted by law at each Product Bank. Raisin is not a bank or credit union and does not hold any customer funds. Funds are held at FDIC-insured banks and NCUA-insured credit unions. Deposit insurance covers the failure of an insured bank or credit union. Certain conditions must be satisfied for pass through deposit insurance coverage to apply. Customers may choose to deposit funds with identically registered accounts at different Product Banks on the Raisin platform to be eligible for Deposit Insurer coverage up to $10 million for individual accounts and $20 million for joint accounts when at least 40 Product Banks are utilized. Please be aware, however, that any deposits you have at a Product Bank, whether through the Raisin platform or outside the Raisin platform, that you may hold in the same capacity (such as in an individual capacity or joint capacity) count toward the applicable Deposit Insurer's deposit insurance maximum amount, and any such amounts that you hold in the same capacity at a Product Bank that exceed the maximum insurance coverage by the applicable Deposit Insurer will not be insured. For more information on FDIC deposit insurance, please see here. For more information on the NCUA share insurance fund, please see here. You are solely responsible for monitoring the amount of funds you have on deposit at each a Product Bank, whether through the Raisin platform or outside the Raisin platform, to confirm that the deposits you hold in the same capacity at each Product Bank do not exceed the maximum deposit insurance coverage provided by the applicable Deposit Insurer.