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7 Ways You Can Prepare For A $ 600 Stimulus Check Today


Speed ​​up your payment by making sure everything is in order before taking a second incentive invoice.

Sarah Tew / CNET

The House of Representatives will vote on one on Sunday Incentive package of $ 900 billion that is linked to a government financing law. The current COVID-19 relief proposal contains one second stimulus control for $ 600 per adult and the eligibility rules that can have an influence your family members. It looks like many of the qualifiers will stay the same in one second stimulus control. People who received the first direct payment are also expected to receive the second check, Senator John Barasso said Sunday. (This is why some might are not eligible for a second stimulus check.)

However, if timing is everything and you think you’ve been waiting longer for your first check, we’ve got some suggestions that can help you get your next stimulus check faster this time. These tips are based on common issues that have delayed the first incentive payment for millions of people. If you tackle some of these potential roadblocks now, your stimulus payment group priority may change, whatever your second stimulus check money faster.

We explain more below. We’ve also created specific stimulation tools that can be helpful if you are over 65 years of age or retired, like you Receive SSI or SSDI or stand on the edge of qualification for a second stimulus check. In case you’re wondering, here’s what we know about the possibility of one third stimulus check for 2021. This story has been updated with new information.

read more: Third stimulus check for 2021? Why the new Congress holds the key

If you’ve moved, change your address with the IRS

If you moved to a new address after filing your 2019 tax return (or at any time during the corona pandemic), you need to do two things to ensure that your stimulus check and other important payment information can reach you: tell the USPS and IRS where you went.

You should do this even if your new location is temporary – you can always update your information when you move again. Even when your first check came by direct deposit (meaning your second check probably would), you still want to make sure your address is up to date so that you receive the IRS letter verifying when your payment was sent. When the letter arrives, but your money doesn’t, you know you have a problem to solve.

To change your address with USPS, go to usps.com/move. To do this with the IRS, you have three options: fill out Form 8822, change your address over the phone, or notify the IRS in writing to “the address where you filed your last return” by your full name, your old and new addresses, your social security number, individual taxpayer identification number or employer identification number and your signature. (Find more detailed instructions at how to change your address to receive your stimulus, check here.)

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Confirm that your bank details are up to date

If your bank status changes, you can delay receiving your incentive payment. According to an analysis by the Urban Institute think tank, black Americans and other people of color are more likely to have “bank money” than white Americans. People who identify as white and whose income was above the poverty line were more likely to have received their first stimulus check by the end of May than those who identify as black, Hispanic, or below the poverty line, the analysis found, because the first wave of payment went to people who registered their bank account information with the IRS.

Several major banks, including Bank of America, JPMorgan Chase, and Wells Fargo, are now offering more affordable check-free bank accounts as part of a government-backed effort to help people enter the banking system.

A second stimulus control probably comes in the same way did an initial check, based on your priority payment group with the IRS. If you are a person without a bank account and your first payment came in by mail, check or EIP card, a second will probably come in the same way.

Prepare to set up a direct deposit with the IRS

If you bank with a financial institution, you should soon be able to use the IRS Get my payment online service to set up an instant deposit for your stimulus payment, and find out the status of your check and see if something stops payment. The initial May deadline to sign up for direct deposit for your first check has passed, but will likely reopen when and if a second check occurs. Here’s everything you need to know direct deposit and incentive checks.


If you keep your child support payments on time, you are more likely to keep an eye on all your incentives.

Sarah Tew / CNET

Complete this form if you did not have to file a tax return in 2018 or 2019

People who earned below the threshold to file federal income tax returns in 2018 or 2019 were not given an incentive check unless they completed an online non-affiliate form for the IRS (this group includes low-income families and children and a disproportionate number of black people and people of color).

If your first check is still missing, you unfortunately missed the nonfilers deadline of November 21, but can claim it on your taxes for 2020 next year. (You can use our calculator to estimate how much you might be eligible to receiveYou should also complete the non-affiliate form so that the IRS has your information on file when a second check is approved.

If you have overdue child benefit, pay it off as soon as possible

If you spend more than $ 150 in child benefit arrears (so-called arrears), your state may reserve the right to garnish all or part of your first stimulus checkbased on how much you owe. This can also be the case with a second stimulus check. If possible, you should pay any child support overdue as soon as possible to ensure you get your full stimulus check, as well as any possible payment for your child.

If you owe child support, you can receive money from your child’s other parent, although it may take a while to get to you after it has been processed by the state. Read more about how child support here affects stimulus controls.


Are all your affairs in order before a new check is decided? Now is the time to act.

Angela Lang / CNET

Sort your tax papers. Yes really

like you missed the extended deadline to file your taxes for 2019 (that was on October 15), you can still submit late. There is no penalty for doing this if you owe a refund, but if you owe the IRS money, starting July 16, 2020, you will be subject to penalties and interest for any remaining unpaid taxes, along with a $ 300 file penalty for non-compliance .

However, if you owe federal taxes or have other federal debts, the IRS will not reduce your incentive payment to cover those – the only exception is if you owe child support. For those who don’t file taxes, however missed the Nov. 21 deadlinenext year, you can declare your payment on your 2020 tax return. (Important caveat: if you have filed a tax refund for 2019, don’t use the nonfilers tool even if you weren’t required to do so as that will slow down processing your declaration and any refund.)

Make sure you qualify for a stimulus check

Not everyone is eligible for a second stimulus check. Most common requirements for receiving a first stimulus check under the March CARES Act would probably hold for a second, including certain income limits.

This is who qualified for the first round, based on your total income on your taxes for 2018 or 2019:

  • If you are a single filer making less than $ 99,000
  • If you register as the head of a household and earn less than $ 146,500
  • If you file with your spouse and earn less than $ 198,000

However, there are many exceptions and rules depending on your situation (you can get a more detailed list of stimulus check qualifications here). Find out what your stimulus check might look like if you receive SSI or SSDI, if you have dependents, if you are a young adult or if you are over 65 or retired.

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