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Form W-4

The Form W-4, an Employee’s Withholding Allowance Certificate, is completed by each new employee to indicate the amount of federal tax the employer should withhold from his or her wages. An employee that does not submit a completed W-4 will be set-up as "Single" with no allowances. An employee’s Form W-4 remains in effect until a new form is completed. An employee is able to make changes to their Form W-4 throughout the year, until he/she is satisfied with the amount withheld each pay period.

An employee must complete a new Form W-4 if-

  • Change in filing status such as a marriage or divorce.
  • Change in number of exemption allowances, such as when a child is no longer claimed as a dependent, or when there is a change in the amount of deductions or credits allowed.

You may access this form from the IRS webpage: www.irs.gov

You may also update your W4 online through Banner 9 Employee Services

  1. Sign into Cardinal APPS
  2. Click on Banner 9 Employee Services
  3. From Employee Dashboard select “Taxes W-4 Employee’s Withholding Allowance Certificate”
  4. Scroll down to select “Update”
  5. Makes changes and select “certify changes”

To avoid tax filing surprises, the IRS urges tax payers to check their withholding and adjust it, if needed. It’s especially important to use the Tax Withholding Estimator now if an employee:

  • Faced an unexpected tax bill or penalty when filing last year
  • Has or will experience a change in marital status, dependents, income or jobs in the year

Public Law 119-21, known as the One Big Beautiful Bill Act (OBBBA), was signed into law on July 4, 2025. The OBBBA contains new and enhanced tax deductions including:

  • New income tax deductions for qualified overtime compensation and tips and qualified passenger vehicle loan interest
  • An enhanced deduction for seniors (individuals age 65 and older)
  • An increase in the standard deduction and the child tax credit
  • An increase in the limit on the itemized deduction for state and local taxes. If you want to account for these deductions in the income tax withheld from your paychecks, you must submit a new 2026