Yes! You can use AI to fill out Form F11260, TIAA IRA 60-Day Rollover Request
Form F11260 is a TIAA document used by individuals to transfer, or 'roll over', retirement funds they have received from another financial institution into a new or existing TIAA Individual Retirement Account (IRA). This process must typically be completed within 60 days of receiving the funds to avoid potential tax penalties, and this form helps document the transaction for both TIAA and the account holder. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
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Form specifications
| Form name: | Form F11260, TIAA IRA 60-Day Rollover Request |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out F11260 Online for Free in 2026
Are you looking to fill out a F11260 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your F11260 form in just 37 seconds or less.
Follow these steps to fill out your F11260 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the TIAA F11260 form.
- 2 Use the AI assistant to automatically fill in your personal details in Step 1, such as your name, Social Security Number, and contact information.
- 3 In Step 2, indicate whether you are rolling funds into a new or existing TIAA IRA and specify the IRA type (e.g., Traditional, Roth).
- 4 Provide details about the prior investment company, account number, and the rollover amount in Step 3.
- 5 If your rollover is past the 60-day deadline, complete the 'Self-Certification for Late Rollover Contribution' in Step 4 by checking the relevant reasons.
- 6 Review all the information for accuracy, then proceed to Step 5 to securely e-sign and date the authorization and acknowledgment.
- 7 Download the completed form to mail along with your rollover check to the address specified in the 'Return Completed Form' section.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
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Frequently Asked Questions About Form F11260
This form is used to deposit funds you have received from another financial provider into a new or existing TIAA IRA. This must be completed within 60 days of receiving the distribution check from your previous retirement account.
You should use this form if you have personally received a check for a distribution from a qualified retirement plan, like a 401(k) or another IRA, and you want to roll those funds into a TIAA IRA.
You will need your personal information (name, SSN, date of birth), details about your prior investment company and account number, and the amount of the rollover. You must also have the physical check you received from the prior institution to mail with the form.
If you miss the 60-day deadline, you may still be able to complete the rollover by filling out the 'Self-Certification for Late Rollover Contribution' in Step 4. You must certify that the delay was due to one of the IRS-approved reasons listed on the form.
Yes, in Step 2 you can select whether you are rolling funds into an existing TIAA IRA or opening a new Traditional, Roth, or SEP IRA with your rollover funds.
If 20% was withheld from an employer plan distribution, that amount is still considered part of the total distribution. To avoid taxes, you must deposit the amount of the check plus the withheld amount, using your own funds to make up the difference.
You must mail the signed form along with your rollover check to the address provided in the 'Return Completed Form' section. Separate addresses are listed for standard and overnight mail.
Your rollover contribution will be invested based on the allocation instructions currently on file for your TIAA account. To change your investment allocation, you must visit TIAA.org or call them directly.
The IRS allows you to make only one 60-day, indirect rollover between any of your IRAs in any 365-day period. This rule does not affect direct trustee-to-trustee transfers between IRAs.
These refer to specific distributions that have special rules allowing for recontribution, often beyond the standard 60-day window. For instance, certain Coronavirus-Related Distributions can be repaid over a 3-year period.
Yes, the distributing institution will issue a Form 1099-R for the withdrawal, and TIAA will issue a Form 5498 to report the rollover contribution to your IRA.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields with your information, which can save time and help you avoid mistakes.
You can use a service like Instafill.ai to complete the form digitally. Simply upload the PDF, and the tool will enable you to type your information directly into the fields before you print it for signature and mailing.
If you have a non-fillable or 'flat' PDF, you can upload it to a platform like Instafill.ai. The service can convert the document into an interactive, fillable form that you can easily complete on your computer.
Compliance F11260
Validation Checks by Instafill.ai
1
SSN/TIN Format and Completeness
This check verifies that the Social Security Number/Taxpayer Identification Number field is not empty and conforms to a valid 9-digit format (XXXXXXXXX or XXX-XX-XXXX). This number is critical for tax reporting purposes and for correctly identifying the individual's account. If the number is missing or invalid, the form submission will be rejected as it is impossible to process the rollover without correct tax information.
2
Date of Birth Plausibility
Validates that the Date of Birth is a real date in the past and represents a plausible age for an individual opening or contributing to an IRA (e.g., not in the future, and the person is over 18 years old). This prevents obvious data entry errors and ensures the applicant meets the minimum age requirements for financial contracts. An invalid or implausible date would halt processing until corrected.
3
Mutually Exclusive Rollover Destination
Ensures that the user selects only one option in Section 2: either rolling over to a 'new TIAA IRA' or an 'existing TIAA IRA'. The system must prevent both options from being selected simultaneously. This is crucial for directing the funds correctly and avoiding ambiguity in the user's intent, which would otherwise require manual intervention to resolve.
4
Existing Account Details Requirement
This validation is triggered if the user selects 'I am rolling over funds to an existing TIAA IRA'. It checks that both the 'TIAA IRA Account Number' and 'IRA Plan Number' fields are filled out. Without this information, TIAA cannot identify the correct destination account for the rollover funds, causing the transaction to fail.
5
New IRA Type Selection Requirement
If the user indicates they are rolling over funds to a 'new TIAA IRA', this check ensures that exactly one IRA type (Traditional, Roth, or SEP) is selected. This choice is fundamental for establishing the new account with the correct tax treatment and investment rules. Failure to select a type would prevent the new account from being created.
6
Prior Account Information Completeness
Verifies that all fields in Section 3, 'YOUR ACCOUNT AT THE PRIOR INVESTMENT COMPANY', are completed, including the company name, account number, rollover amount, and check distribution date. This information is essential for tracking the origin of the funds and for verifying compliance with rollover rules. Incomplete information would require follow-up and delay the processing of the rollover.
7
Rollover Amount Validity
Checks that the 'Rollover Amount' in Section 3 is a positive numerical value. This ensures that a valid monetary amount is specified for the transaction. A non-numeric or zero/negative value would be an invalid entry and would prevent the system from processing the financial transaction.
8
60-Day Rollover Deadline Trigger
This is a critical time-sensitive validation that calculates the number of days between the 'Check Distribution Date' (Section 3) and 'Today’s Date' (Section 5). If the difference exceeds 60 days, it flags the transaction as a late rollover. This is important because late rollovers require the completion of the Self-Certification in Section 4 to be considered valid by the IRS.
9
Late Rollover Certification Requirement
If the 60-Day Rollover Deadline Trigger indicates the rollover is late, this check ensures that Section 4 is fully completed. It verifies that a contribution amount is entered and at least one 'Reason for Late Contribution' checkbox is selected. Without this self-certification, TIAA cannot accept the late rollover contribution as per IRS Revenue Procedure 2016-47.
10
Fund Type Consistency Check
This validation checks for logical consistency between the source fund type in Section 3 and the destination IRA type in Section 2. For example, if 'Roth IRA' is checked as the source fund type, the destination should also be a 'Roth IRA'. A mismatch could have significant tax implications, and this check helps prevent user error by flagging potentially incorrect selections for review.
11
Rollover Amount Consistency Across Sections
If Section 4 (Self-Certification for Late Rollover) is completed, this check verifies that the 'Rollover Amount' in Section 3 matches the 'contribution of $' amount specified in Section 4. This ensures the amount being certified as late is the same as the amount being rolled over. A discrepancy would create ambiguity and could invalidate the self-certification.
12
Signature and Date Requirement
Verifies that the 'Your Signature' field has been signed and the 'Today’s Date' field in Section 5 is filled out. The signature legally authorizes TIAA to perform the transaction, and the date establishes the official submission time. Missing either of these elements renders the form legally incomplete and unprocessed.
13
Special Repayment Amount Requirement
This check is triggered if the user selects any of the special repayment reasons in Section 2 (e.g., 'Birth or Adoption', 'Coronavirus'). It ensures the corresponding 'Amount' field is filled with a valid dollar value. This is necessary to correctly categorize the contribution and apply the specific rules associated with these special distribution repayments.
Common Mistakes in Completing F11260
This is one of the most common reasons for rejection. Applicants often focus on the financial details and overlook the final authorization step in Section 5. An unsigned or undated form is legally invalid and cannot be processed, causing significant delays and potentially causing the rollover to miss its 60-day deadline. Always double-check that you have provided a valid signature and the current date before mailing the form.
The Social Security Number or Taxpayer Identification Number is critical for tax reporting and account identification. This mistake often happens due to a simple typo or accidentally omitting a digit. An incorrect SSN/TIN will lead to immediate processing failure, as TIAA cannot open or deposit funds into an account without proper IRS identification, which could jeopardize the tax-deferred status of the rollover.
In Section 3, people frequently misclassify the type of account the funds are coming from, such as checking 'Traditional IRA' when the money is from an 'Employer-Sponsored Plan' (like a 401k). This happens due to confusion over retirement account types and has serious consequences for tax reporting and rollover eligibility. To avoid this, carefully review the statement from your prior institution to confirm the exact plan type before filling out the form.
The rollover amount listed in Section 3 must exactly match the dollar amount of the physical check being sent with the form. Discrepancies often occur due to typos or confusion about tax withholding. If the amounts do not match, the transaction will be halted, requiring you to submit corrected paperwork and potentially miss the 60-day rollover window. AI-powered tools like Instafill.ai can help prevent this by cross-validating numerical fields for consistency.
In Section 2, applicants may select both 'new' and 'existing' IRA options, or select 'existing' without providing the required TIAA IRA Account and Plan numbers. This ambiguity stops the process, as TIAA doesn't know where to deposit the funds. Before starting, confirm if you have an existing TIAA IRA and have your account numbers ready to avoid this delay.
Applicants sometimes fill out Section 4 for a late rollover even when their contribution is well within the 60-day limit, causing unnecessary processing complications. Conversely, those who legitimately miss the deadline may fail to complete this section, resulting in the rollover being rejected and treated as a taxable distribution. Only complete Section 4 if you have missed the 60-day deadline and have a valid reason as listed on the form.
The form notes that you may only complete one 60-day IRA-to-IRA rollover in any 365-day period, a rule many people are unaware of. Attempting a second such rollover within this timeframe will invalidate the transaction, making the distribution taxable and subject to potential penalties. It's crucial to consult a tax advisor and review your transaction history to ensure you are eligible before initiating the rollover.
When rolling over from an employer-sponsored plan, 20% is typically withheld for federal taxes, but the full pre-tax amount is considered the distribution. Many people only roll over the amount on the check, resulting in the withheld 20% being treated as a taxable distribution. To complete a full tax-free rollover, you must deposit the amount of the check plus make up the 20% withholding from your own funds.
Applicants may enter a common nickname or an informal version of their name in Section 1 instead of their full legal name. This creates a mismatch with their Social Security records and other identifying documents, leading to identity verification failures and processing delays. Always use the full legal name that appears on your government-issued ID and Social Security card to ensure a smooth process.
In Section 3, people often write an abbreviated or common name for their prior financial institution (e.g., 'Chase' instead of 'JPMorgan Chase Bank, N.A.'). This can create ambiguity and slow down the verification process while TIAA confirms the source of funds. To prevent this, copy the full, official name of the institution directly from your account statement. If the form is a non-fillable PDF, a tool like Instafill.ai can convert it to a fillable version, making it easier to enter precise information.
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