I Filed My Federal Tax With H and R Block. What About My State?

Filing your federal taxes with H&R Block is a straightforward process, but many taxpayers wonder what happens with their state return. Since federal and state tax filings are separate, completing one does not automatically mean the other is done.

Federal and State Tax Filings

When filing with H&R Block, your federal and state tax returns are processed separately, even if completed in the same session. Each state has its own tax laws, filing requirements, and deadlines, which may require additional forms or information beyond what is needed for a federal return. Some states closely follow federal tax rules, while others have unique deductions, credits, or income calculations.

For example, Texas, Florida, and Washington do not impose an individual income tax, so residents there only need to file a federal return. In contrast, states like California and New York have complex tax codes with additional reporting requirements, such as state-specific credits and different deduction rules. If you live in a state with an income tax, H&R Block typically prompts you to complete your state return after your federal filing, but you must actively choose to file it.

State tax deadlines generally align with the federal deadline of April 15, but some states have different due dates. Iowa’s deadline is April 30, while Virginia allows residents until May 1. Missing the deadline can result in penalties and interest, which vary by state. Some states charge a flat late-filing penalty, while others calculate it as a percentage of the unpaid tax.

Fees and Payment Options

H&R Block’s pricing for state tax returns depends on the filing method and complexity. For online filers, state returns typically cost extra beyond the federal filing fee. As of 2024, the price for a state return through H&R Block’s online service starts at $37 per state, though promotions or additional services may affect the final cost. If using H&R Block’s downloadable software, the price may include multiple state returns, but e-filing each state return incurs an additional fee.

For in-person assistance, costs vary based on the complexity of the return. A basic state return may add a small fee, while more complicated filings—such as those involving multiple state incomes or itemized deductions—can increase the total cost. H&R Block provides an upfront pricing estimate before finalizing the filing.

Payment options include credit or debit cards. If receiving a refund, you may have the option to deduct the filing fee from your state tax refund, though this service includes an additional processing fee. H&R Block occasionally offers discounts or referral credits that can reduce costs.

Refund Timeline and Steps

Once your state tax return is submitted, processing times vary by state and filing method. E-filing generally results in a faster turnaround, with most states issuing refunds within 7 to 21 days. Paper filings take longer, often six weeks or more. Many states offer online portals where you can track your refund status using your Social Security number and refund amount.

Delays can occur if additional verification is needed. Many states have fraud prevention measures requiring identity confirmation, such as prior-year adjusted gross income, verification quizzes, or unique PINs. First-time filers or those with significant income or deduction changes are more likely to face these checks. If discrepancies arise, the state may request further documentation, which can extend processing times.

Direct deposit is the fastest way to receive a refund. Paper checks take longer, depending on postal service efficiency and state mailing schedules. Some states offer prepaid debit cards as an alternative, though these may have maintenance fees or withdrawal limits.

Potential Penalties for Late Filing

Failing to file a state tax return on time can result in financial penalties. Most states impose a late-filing penalty based on a percentage of the unpaid tax, often around 5% per month, up to a maximum of 25%. California charges 5% per month, while New York applies 5% for the first month and 1% for each additional month, up to 25%. If no tax is owed, some states still assess a flat penalty, such as Massachusetts’ $100 minimum fee.

Interest accrues daily on unpaid state taxes, typically based on the state’s statutory interest rate, which is often tied to the federal short-term rate plus a fixed percentage. Illinois applies an annual interest rate of the federal short-term rate plus 3%, recalculated every six months. Some states, like Pennsylvania, adjust their interest rates quarterly, making it difficult to predict the total cost of a late payment.