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Second stimulus check takes place in 2 stages: will your payment meet the deadline?


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

Angela Lang / CNET

There are only three days left for the IRS to release it second stimulus controls to anyone who qualifies. Once January 15th is here, anyone who hasn’t automatically received their check should do so claim their money on their taxes later this year. By January 8, the IRS had sent about 80% of all the aid money that Congress had allocated for this round of payments. The two main ways the IRS has sorted payments are through bank accounts direct deposit and in the mail as a paper check or a EIP debit card.

However, the January 15 deadline is fast approaching, and the IRS still has about 20% of the payments to make. It currently works through a big problem with electronic transmission, so there is a chance that the delivery of your second stimulus control could slip into the days beyond the border. If it doesn’t show up, you need to claim a catch-up payment called the Refund Discount, for 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 look for your check and what to do if you don’t receive it before the start of the tax season. Continue reading below for details on IRS payment groups, and here’s the situation with a third stimulus check for $ 2,000. This story is regularly updated with new information.

Direct deposits are sent directly to your bank account

Last week, the IRS had reportedly forwarded four-fifths 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’s 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: On the go, but there are two things you need to know

Paper checks are on the way, with a much faster clip than the first time – here’s how you can follow 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 Government Accountability Office report, which means some people will have to wait.

Second, there is that same January 15 that affects all payments. So anyone who doesn’t receive their check mid-month will have to claim it during tax season this year. If you 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 stimulus 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 have been shipped – will they make it on time?

EIP debit cards are prepaid Visa cards that the Treasury can send you in lieu of a paper check. There are twice as many going out this time compared to the first round – 8 million instead of 4 million, the IRS told CNET in an email – although it’s not clear how an EIP card helps deliver money faster. than a paper check. would.

In fact, the IRS said it started sending EIP cards after it started sending paper checks. Overall, the process is faster this time. With the first stimulus checks, it took the IRS and the Treasury a month to send this type of payment.

If you receive an EIP card in the mail, the envelope will display the U.S. Treasury seal, but be careful not to throw away your mail without carefully checking first (this free tracking tool can help). The same closing rules apply to 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 You Could Get Your Payment

On the first incentive 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 will automatically forward the money how you regularly receive your benefits, such as direct deposit, Direct Express card, or paper check.

Due to complicated circumstances, payments have already been delayed

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 have 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 Can Slow Down Your Stimulus Control.

What if you miss money from the first or second round of incentive 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 the $ 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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