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Your second stimulus check is coming. How soon you get it depends on your payment group


Are you first in line for a new stimulus check – or last?

Angela Lang / CNET

The good news is that the IRS has started sending the second stimulus check for up to $ 600 per person direct deposit, and the first physical checks have also gone out. But not everyone who is qualify for more incentive money will necessarily receive their share right away (calculate the total of your stimulus check). Where the IRS puts you in the payment schedule can give you a sense of whether or not you’ll be one of the first to get one second stimulus control, or towards the end. (And here’s why some people may not get a check at all.)

There’s also another wrinkle in the situation, and that’s a Jan. 15 cut-off for the IRS to finish sending payments. So far it has acted quickly, but there are some limitations and other issues that could potentially affect your second stimulus control. We’ll explain more below.

If you’ve heard of President Donald Trump press to convert the $ 600 per person limit into a $ 2,000 check, that doesn’t look likely this time, but President-elect Joe Biden has already committed to one third stimulus check in 2021. (This is why January’s new convention could be keyRead on to learn more about which IRS payments group you belong to. This story has been updated with new information.

People who have already made a direct deposit will now receive their incentive money

People who use their direct deposit information registered with the IRS are among the first group to receive a stimulus check. A wire transfer of money is faster and more efficient than sending a check, which means that many more people can be processed quickly. Some people have already received their money via direct deposit from December 29th.

As of New Years Day, the IRS has not made it possible to sign up for instant deposit if you don’t already have one, or track your payment, but we expect the online tool to be activated in the next week. Here are ways you can help speed up the delivery of your next checkincluding what we now know sign up for direct deposit.

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Second stimulus checks: everything you need to know


There are two main scenarios for social security beneficiaries

On the first stimulus 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, although not always the first day.

The IRS had a separate information section for people that receive SSDI and SSI. Normally, people in these groups receive their federal benefits through a Direct Express card, although people in this group received their incentive payment through a non-Direct Express bank or a paper check.

Some paper checks are already on their way, but …

The IRS began sending the first paper checks in the mail on Wednesday, Dec. 30 (here’s how you can follow your stimulus check to your mailbox). That’s much faster than the first time, but there are still two major limitations to be aware of.

According to a June report by the Government Accountability Office, 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, meaning some people will have to wait.

Then there is this catch. Language in the Incentive Act sets a Jan. 15 closing for the IRS to send payments. So anyone who didn’t receive his on January 15th will have to do it claim it early 2021 during tax season. That gives people who sign up for instant deposit a clear benefit.

The timing then becomes a matter of how soon you file your taxes for 2020 and how quickly the IRS could process your return. These two scenarios are influenced by different factors. For example, people filing their tax return 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

People who received an EIP card were the last to receive their money during the first round of stimulation

EIP debit cards are prepaid Visa cards the IRS can send you in lieu of a paper check – the envelope will look unmarked, so be careful not to throw out your mail without carefully checking first. The IRS has said it will start shipping EIP cards this week, a change from the first month’s delay in sending this type of payment. The same rules apply as paper checks. If you didn’t receive yours by January 15th, you will need a Refund Discount between January 16 and April 15 as part of the tax season.

People with more complex situations are likely to wait the longest

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. It is not clear what would happen if there was a problem during the process and the Refund Discount was further delayed. It is likely that the IRS would set a different, later deadline to address clerical errors such as missing out on incentive funds and other scenarios.

What if you still haven’t received the full amount of the first payment?

It’s not always clear how much money the IRS owes you in the event of an error. We recommend starting with our stimulus check calculator 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.

Depending on which group you’re in, we’ve also mapped out some speculative dates how soon you could possibly get your next stimulus check.

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