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Do you want your stimulus check faster? This is what you can do now


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

Sarah Tew / CNET

Two rounds of stimulus controls have been broadcast, and we learned quite a bit in that time, including how your taxes affect your incentive payment, to whom the payments are made first (and last), and what to do if your payment never arrives. If you plan to claim money after the first or second stimulus, check your taxes as one Refund Discount, or if you are simply looking forward to a potential third stimulus check that is expect to arrive by March at the latest, here are some tips on how to fix this common issues that caused delays for millions of people – inclusive changes in addresses or bank accounts.

If you tackle some of these potential obstacles now, you may be able to improve your tax refund with your incentive discount sooner – or help your third stimulus control faster, if and when Congress passes a new bill.

Here are some things you should take care of so that your incentive discount or potential future payment comes through faster. We also have more information about it how to claim missing incentive money if you don’t usually file taxes, and how much money you could possibly get in a third stimulus check later this year.

Submit your taxes as soon as possible if you are going to claim missing incentive money

If you are one of the millions of people who have not received the incentive money what you were eligible for this is possible in the first or second payment round claim that money on your Federal Tax Return 2020 as a Recovery Rebate Credit (estimate how much you might owe using CNETs stimulus check calculators for the second and first payments). The IRS said it will start processing returns on February 12th, and estimate that the initial refunds will be sent via direct deposit the first week of March. The deadline for filing your federal income tax return is April 15.

We recommend that you file your taxes as early as possible, and set up a direct deposit with the IRS when you do (more on that below). Doing both of these things will not only help you get your tax refund faster with that missing incentive money, but it will also increase the chances of getting your third stimulus check especially earlier if it is passed during the tax season.

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Don’t forget to set up direct deposit when you file your tax return

Set up a direct deposit account that links directly to your bank account when you file your 2020 tax return will benefit you in two ways. First, you will get your tax return (with your Recovery Rebate Credit added for your missing incentive money) faster. The IRS said the best and fastest way to get your tax refund is to have it deposited electronically into your bank account for free. You can set up up to three different bank accounts if you want to split your tax refund among them.

If you set up a direct deposit and submit your declaration electronically to tax software such as TurboTax, you can also expect a faster declaration than when you print and send your declaration. The IRS said it expects nine out of ten taxpayers to receive their refund within 21 days of filing electronically with direct deposit, if there are no issues with their tax returns.

Including information about your direct deposit on your tax return has another benefit: if and when one third stimulus check has been approved, direct deposit people who set up through the IRS usually are one of the first in line to get their money, unlike those who are sent a check or a EIP card. Here’s how much incentive money you could get with a check for $ 1,400.

Make sure the IRS has your current address on file

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 if your first or second check came by direct deposit (meaning a possible third-party check likely would too), you still want to make sure your address is up to date so you receive the IRS letter to verify when your payment has been sent. If the letter arrives, but your money doesn’t, then you probably know you need to solve a problem request an IRS payment track. (Like you lose the letter, here’s how to get the information it contains.)

Here is how to change your address with USPS and IRS.


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

Angela Lang / CNET

Confirm that your bank account information is up to date

If your bank status changes, or if you’ve closed the bank account the IRS has registered for you, you can delay receiving your incentive payment – possibly return it before it ever reaches you.

The IRS said it has a number of ways to find your bank information, including from your 2019 tax return (and likely your 2020 return when you file it), from the IRS ‘Get My Payment app or Non-Filer Tool if you used it last year, or from another federal agency that uses your bank information to provide benefits, such as the Social Security Administration (such as when you receive SSDI or SSI benefits). But if that information is out of date, the bank will return that payment to the government, giving you a Refund Discount to get that money back with your tax refund.

If you don’t have a bank account, want one, and aren’t sure where to start, 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.

Make sure you actually qualify for a stimulus check

Not everyone was eligible for a second stimulus check, like some of the eligibility rules changed after the first round. It is possible that the rules change again as one third check is approved.

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

  • If you are a single filer making less than $ 87,000
  • If you register as the head of a household and earn less than $ 124,500
  • If you file with your spouse and earn less than $ 174,000

However, there were many exceptions and rules depending on your situation, and the same will likely be true for a future third party check (you can find a more detailed list of stimulus check qualifications here).


Your second check was not to be confiscated to pay back child support.

Sarah Tew / CNET

Does my third stimulus check go to a debt I owe?

You can use most of your incentive money however you want. But there are certain exceptions.

Below the CARES Act (that’s the first stimulus check), if you spend more than $ 150 in it child benefit arrears (called arrears), your state may have reserved the right garnish all or part of your first stimulus checkbased on how much you owe. However, the second stimulus check could not be taken for child benefit arrears. This change was well known in federal and state agencies. Read more about how child support here affects stimulus controls.

The first stimulus check allowed private banks and creditors to seize a payment to cover an outstanding debt. However, some states, such as California, have issued orders prohibiting banks and creditors from decorating your stimulus check. With the second incentive check, your payment was protected against bank seizure and against private creditors and collection agencies according to the text of the law. However, individual banks could choose to use that money to cover overdrafts. Again, we don’t know yet if this would change with a third check.

For more information, read 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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