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EIP cards and incentive checks: who can get the debit card, what to do



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Your third stimulus check could arrive as an EIP card.

Angela Lang / CNET

Incentive checks are already being sentThat’s great news for everyone who receives it up to $ 1,400 per person (including dependent persons) by direct deposit – from Monday you can even track the payment onlineBut what does it mean for the millions of people who haven’t filed a direct deposit with the IRS?

This group gets them third stimulus check funds in the mail as paper checks or as something called an economic impact debit card. The IRS has sent 12 million payments this way so far, and the method is not without confusion or complications.

Read on to learn more about how to receive your incentive payment in the form of an EIP card and how to possibly use it arrives in your mailboxPlus, here’s how claim your missing incentive money on your 2020 taxes, what you need to know stimulus controls and SSI and SSDI and older adults, and how your taxes can complicate a third incentive payment

What is an EIP card and how does it work with stimulus controls?

An economic impact debit card is a prepaid debit card that the U.S. Treasury has used to distribute incentive payments, in addition to paper checks and direct depositThe maps have been issued to some eligible US residents. the government had no bank details before, but it is not clear why you would get an EIP card instead of a check, or vice versa.

These Visa debit cards can be used to make purchases, collect cash from networked ATMs and transfer money to your personal bank account at no cost. If you receive one, after receiving the card, go to the EIP card website to activate it and learn more about how to use it.


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When will my EIP card arrive?

The IRS already issues incentive checks via direct deposit. In the first two rounds of checks, the EIP cards were the last to go out. Plus, they usually take longer to arrive. Unfortunately, people who receive EIP cards are often in the final batch to receive a payment. Here is when we think EIP cards can be sent, and how to track your paymentThe IRS tool will also tell you how your money will arrive. Here’s how you can track your EIP card in the mail with a free USPS service

If I received an EIP card before, will I get a new EIP card now?

If the IRS has sent a previous stimulus check as an EIP card and plans to send you another payment in the same way, you will receive a brand new prepaid card with the calculated total for your third stimulus checkThe IRS will not add money to a previous card you have, the agency said.

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You can use the IRS tracking tool online to see if your stimulus check arrives in the form of an EIP card.

Stephen Shankland / CNET

How do I know if my third stimulus payment will arrive as an EIP card?

If you got an EIP card last time, does that mean you will get your money the same way with the third stimulus check? Not necessary. With the second round, the IRS sent double the number of EIP cards. This time, your payment can come in as a paper check or via direct deposit, if the IRS has your bank account information on file.

Another wrinkle this time: the third round checks go out during tax seasonThe IRS uses your most recent tax return on file, which is could be your return in 2019 or 2020, to determine your payment

What will my EIP card look like when it is delivered?

If you qualify for a third stimulus check and receive that payment via an EIP card, it will arrive at the address listed on your latest tax return, in a white envelope marked with the seal of the United States Treasury Department. The card has the name Visa on the front and the issuing bank, MetaBank NA, on the back. Some literature identifies the card as the payment for the economic impact.

Note that if you have moved, you must do this notify the IRS and USPS of your new addressThe card expires after three years.

During the first round of incentive payments, because the envelope containing the EIP card of the first payment was not clearly marked, some people reportedly threw the letter away without opening it. (If you think this has happened to you, we’ve got tips for getting your payment below.)

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Your EIP card can hold a lot more money this time.

Sarah Tew / CNET

How much incentive money can be loaded onto an EIP card at a time?

Receiving your stimulus payment via an EIP card wouldn’t change this the amount you would receive – it’s just a different format for the same payment.

The amount you would be allocated in a third stimulus check will depend on your AGI, or adjusted gross income, of your tax returns, along with your declaration status (single versus joint) and how much dependent persons you have. The maximum amount that any tax bearer can get is $ 1400This third check is “targeted”, which can make your family a lot more money or much less

You can also find out who counts as a dependent on your taxes, how old one must depend to receive a separate incentive payment and the stimulus check situation for older adults, people in the SSDI program US Citizens Abroad and people living in US territories

I should have gotten an EIP card for the first or second stimulus check, but it never came. What should I do?

If your first or second stimulus check (in any form) never arrived, claim it as one Credit for chargeback discount when you receive your Tax return 2020, now via the April 15 deadlineYou must file your taxes to claim any missing incentive money, even if you are part of the group of non-filers who usually do not have to do this. In some cases – for example, if you a letter of confirmation from the IRS that it sent your money, but your EIP card never arrived – maybe you should report the missing funds or any errors to the IRS


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Will the IRS notify me that my EIP card is on its way to my house?

With the first two incentive payments, the IRS sent a letter transfer your money within 15 days to your last known address after the payment has been made. This notice contained information on how you got the money (check or direct deposit or EIP card) and how to report it if you did not receive payment. The IRS will likely do the same for the third round of payments. But beware: there have been many stimulus check scams go around. Before giving anyone your information, visit IRS.gov to make sure your letter is legitimate.

What happens if I lose or destroy my EIP card?

If you have lost or destroyed your EIP card, you can request a free replacement through MetaBank customer service. The replacement contribution is waived the first time.

You don’t need to know your card number to request a replacement. Simply call 800-240-8100 and choose the second option from the main menu, according to the IRS website.

For more information, see if that would be you qualified for a third stimulus check and when a third check can be sent

The editorial content on this page is based solely on objective, independent reviews by our writers and is not influenced by advertising or partnerships. It is not supplied or commissioned by a third party. However, we may receive compensation when you click on links to products or services offered by our partners.


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