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The IRS has until Friday to mail your $ 600 stimulus check. What you need to know


For many, receiving a second stimulus check before January 15 will be a race against time.

Sarah Tew / CNET

In a few days, the IRS and the United States Treasury will be out of the second stimulus controls – believe it or not, this is a legal decree that is part of the language of December’s Incentive Act. So if you qualify for one of the $ 600 checks (or more)but haven’t got it yet, there are some things you want to know.

That includes why there is one January 15 deadline for stimulus checks to get started, what to do if you have don’t get your incentive money at the cutoff and how that requirement leaves the delivery of your stimulus check behind. Although the IRS and the Treasury made about 80% of the payments late last week direct deposit, paper checks and EIP cards – then 20% of the money is still waiting to go out this week. (You can also track the status of your stimulus check here and log into a free USPS service that will notify you when your payment arrives in your mailbox.)

In fact, the checks go so fast that there are already been a big blunder (which can be partially resolved), leaving millions without their stimulus money. Read on to learn more about the second stimulus check payment term line and how they might affect you. (PS This is what we know about one $ 2,000 Third Stimulus Check.) This story was recently updated.

Why is there a deadline for stimulus checks on January 15th?

The writers of the legislation didn’t explain why they chose a Jan. 15 cut-off date to send stimulus payments, but that only gave the IRS and the Treasury a total of 17 days to issue more than 100 million incentive checks. That’s two days less than the time it took for the IRS to start sending the first stimulus check after that bill passed in March (it was 19 days for the record).

Tax season, with both the IRS and the Treasury heavily involved, typically starts mid to late January and continues through April 15, and can factor into the January 15 deadline.

If you don’t have your full second stimulus check money shortly after January 15, you will need to take the extra step of claiming all or part of the missing amount when you file your federal tax return this year as a Refund Discount. You can also claim any money the IRS still owes you from the first round of checks as credit.

Some people who received their incentive payment via direct deposit have run into trouble. If you experience any problem or delay using one of the three payment methods, this means you have to wait to file a claim – and take the extra step to do so.

Tying of the delivery of a second stimulus check Tax returns for 2020 will almost certainly delay payment for many people, as a big difference in circumstances will result in some filing taxes as early as January and others not filing taxes until April 15, or even later if they have to file for deferment. It’s also not clear how fast the IRS will do it Refund Discount.

read more: Stimulus Check Formula Decoded: This is why you got what you did.

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Second stimulus checks: everything you need to know


Direct bank transfers are coming to an end soon

The IRS sent the first direct deposits on Dec. 29 and said payments will continue through last week. It’s not clear whether the IRS and the Treasury Department will continue processing bank transfers until January 15. People who have encounter problems with direct deposit will not be able to address them until tax season 2020.

read more: Just do us a favor and avoid this stimulus scam, okay?

While Eligible Persons You don’t need to do anything to receive the second payment – provided the IRS has already recorded your bank or mailing information – there’s also not much you can do to influence receiving a direct deposit via a check mailed. For example, you can’t register a new direct deposit account with the IRS or correct bank information on your file if you’ve closed an account. If the IRS can’t deliver your payment, you must claim it on your taxes.

Paper Checks and EIP Cards: Do They All Meet Deadline?

If the IRS does not have your current direct deposit information on file, payment will be sent as a check or EIP debit card in the mail. Again, it’s not clear whether the IRS has time to process all tens of millions of payments by January 15. The IRS was able to process between 5 and 7 million per week with the initial stimulus check, according to a government report. from June.

Some payments may not meet the January 15 deadline. Here’s how you can track your status with the IRS and follow your second stimulus check to your mailbox, free of charge, to set your expectations and avoid accidentally throwing it away. If you recently moved, tell the IRS and USPS.


How you get your second stimulus check can also affect how quickly your payment comes in.

Sarah Tew / CNET

Note that you can get an EIP card instead this time

The IRS makes 8 million payments through one Economic impact Payment prepaid debit card, the agency told CNET in an email. That’s twice the number sent for the first stimulus check. Even if you paid with a paper check the first time, this time many more people can receive a debit card. On the other hand, some people who last received a debit card may receive a paper check.

The IRS warns that those who qualify but do not receive a direct deposit should do so Check out their post for a check or EIP debit card. The debit cards arrive in a white envelope with the seal of the United States Treasury Department on it, according to the IRS.

Two great ways to track your $ 600 incentive payment

The IRS has reopened it online Get My Payment tracking tool with information about the second payment round. With the free to use portal, those who qualify for a check can see the status of both the first and second payment. The website is available in English and Spanish. You can also create a free tool from the USPS to track the movements of your check to your mailbox.

What’s the absolute longest you could wait for your new stimulus check?

People who use their second stimulus check in the mail – either as a paper check or a prepaid debit card – should search for a payment at any time from now until January 15th. According to the Treasury, 22% of payments as of last summer were made as paper checks and another 3% as prepaid debit cards.

You will have to after January 15th claim all the money the IRS owes you with your 2021 tax return. This can further delay your stimulus control, as the timing depends on:

  • When filing your taxes for 2020, the deadline can be April 15, unless you are applying for an extension.
  • How long it takes for the IRS to process your tax return, which may include your second incentive check.
  • If there are any complications in your particular scenario that could further delay your check.

We keep an eye on the situation, which is constantly evolving. Here’s how now calculate your estimated total for up to $ 600 per person.

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