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2-phase incentive check: is your payment before or after the deadline?


The IRS is now sending $ 600 stimulus checks, but if you don’t get yours soon, you may have to wait.

Angela Lang / CNET

There are two things you should know about it second stimulus controls for $ 600. The first is that the IRS and the Treasury are almost done shipping this batch payments. In fact, about 80% of the total support money allotted for this round has already been sent, using the two main ways the IRS has grouped the payments: direct to bank accounts via direct deposit and by mail as paper checks and EIP debit cards.

The second thing to know is that there is a January 15th deadline imposed by the text of the incentive law so that the checks no longer go out. With 20% of the payments remaining within seven days, plus one big problem with the delivery so far, there is a chance that your second stimulus control may not make the limit – or that you should claim a catch-up payment called the Refund Discount, if you have all or part of the second stimulus control.

After confirmation are eligible for a check for $ 600, the next step is to find out which payment group the IRS has sorted you into. This will give you an idea of ​​where to pay your check up to $ 600 per person and what to do if you don’t receive it before the start of the tax season. Read on for details on IRS payment groups below, and here’s the situation with a third stimulus check for $ 2,000. This story is regularly updated with new information.

Direct deposits to your bank account

The IRS has reportedly forwarded two-thirds of its $ 600 stimulus payments direct deposit, which shows a clear benefit to people receiving wire transfers. Direct deposit is a faster, more efficient way of delivery than a check by mail, which means the IRS can process a lot more people faster. (Here’s how to follow your second stimulus check online.)

However, there are two things you should know. First, some reported problems with checks being sent to the wrong bank account mean that millions of people have not been able to receive their incentive payments via direct deposit after all. And the IRS tracking tool won’t let you sign up for or change your direct deposit information this time.

If the IRS doesn’t have your bank information yet, you have no choice but to do so wait for the mail. If there is a problem with your payment, please do have to wait to make a claim.

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Second stimulus checks: everything you need to know


Paper Checks: Incoming, but two things to know

Paper checks are on the way, with a much faster clip than the first time – here’s how you can track your stimulus check to your mailbox. There are two more important limitations to be aware of. First, the U.S. Treasury can process between 5 million and 7 million paper incentive checks per week, in addition to checks for other federal programs, according to a June report by the Government Accountability Office, meaning some people will have to wait.

Second, there is the same January 15 that affects all payments. So anyone who doesn’t get their check around the middle of the month will have to claim it during tax season this year. If you have recently moved, you must tell the IRS and USPS so you can get your stimulus check and your confirmation letter from the IRS (you’ll need it if you need to make a claim).

After the cutoff, the timing of the delivery of your stimulus check then it becomes a matter of how quickly you file your 2020 taxes and how quickly the IRS can process your return. People filing their returns in February would likely receive their incentive check money – in the form of a Refund Discount – months for people waiting until the April 15 deadline or submitting an extension.


When you get your incentive money it may depend on who you are.

Sarah Tew / CNET

8 million EIP cards are on the way

EIP debit cards are prepaid Visa cards the Treasury can send you in lieu of a paper check – the envelope has the U.S. Treasury seal on it, but be careful not to throw away your mail without carefully checking first (this free tracking tool can help). The IRS and the Treasury have started sending about 8 million EIP cards, a change from the first month’s delay in sending this type of payment. The same rules apply as paper checks. If you don’t get yours around January 15th, you should claim it as a Refund Discount as part of filing your taxes this year.

Social Security Beneficiaries: When Will You Get Your Check?

On the first stimulus payment, many people who received Social Security benefits who also had direct deposit information registered with the federal government received checks in the first week, but not always on the first day.

For the second check, the IRS automatically forwards the money how you regularly receive your benefits, such as direct deposit, Direct Express card, or paper check.

Payments are already being delayed by more complex situations

For the first check, this category includes people who received a check after June, have not yet received their full incentive payment, or who didn’t know they had to go the extra mile.

For the second incentive payment, people who fall into this category can also be the ones have a bank problem with direct deposit, people who moved and still has to tell the IRS and USPS and math errors, such as people whose estimated payment did not match with what the IRS sent.

It is also not clear what would happen if there was a problem during the Refund Discount process and payment was further delayed. It’s likely that the IRS would set a different, later deadline to address clerical errors such as missing out on incentive money and other scenarios. Be here 10 Things That Could Slow Down Your Stimulus Check.

What should you do if you miss money from either stimulus checks?

It’s not always clear how much money the IRS owes you in the event of an error. We recommend starting with our second stimulus check calculator or the calculator for the first stimulus check and this introduction how the IRS gives your total sum in tabular form. If the numbers seem lower than they should be, you may want to investigate further.

See if any of these situations might apply to you: Are you missing out on $ 500 allotted for your dependent children, or you pay or receive child support? Are you a taxpayer non-applicant who may be due a stimulus check (including older adults and people who Receive SSI or SSDI)?

If you have a US citizen abroad or resident in US territory and did not receive a check as expected, you may also need to read the rules. And a court order has made it possible for millions people who are locked up to get a check even after the IRS changed its interpretation to exclude this group.

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