Nearly 30 million more, bringing the total number of sent to roughly 157 million. But what should you do if the says your should’ve arrived by now and you never got it, or you got it but it was ? Worse, what if a stimulus check never arrives at all?
A few things to know: First, if you were expecting your payment by, March 24 was the cutoff, so all stimulus money is now as a paper check or ( ). Second, can differ by groups, so there may be additional details to know if you’re an , a , a or someone who receives . If you , claim or are part of a , that could make a difference, too, especially since the .
We’ll go over possible reasons youris being held up, and how to . We also have guides on and what we’ve heard so far about a . Here are all the ways you could this year, and how families with kids could get a per . This story was recently updated.
Your stimulus check wasn’t sent to the correct bank account
The problem: You signed up for, but your check didn’t arrive. Why? It’s possible that your stimulus payment went to the wrong bank account. Maybe your account was closed, or an electronic transfer attempt was made for a temporary bank account, like one used on behalf of millions of people who used a tax preparer like Jackson Hewitt, TurboTax and H&R Block. Although this latter issue hasn’t been widely reported, it affected the first and second payments.
What to do: Reach out to your bank or tax preparer to see if an attempt was made to deposit money to your account. Ask if they have an internal protocol to file a report or follow up with a representative who can help.
What next? If you don’t get a direct deposit by March 24 (the official date), then your stimulus payment will arrive in the mail. Here’s how to. The IRS is not allowing individuals to register for new direct deposit accounts or correct inaccuracies. If your third stimulus check never arrives, here are .
You signed up for direct deposit when you filed your 2020 taxes
The problem: You filed your 2020 taxes andfor the first time or corrected your banking information, but the IRS didn’t transfer stimulus funds into your account by March 24.
Why? It may be that the IRS didn’t process your tax return and information before it sent your third stimulus payment.
What now?to see what your status is. If your direct deposit doesn’t trickle in a few days past the March 24 due date, you’ll want to keep an eye on the mail for a or . Also use the to see when your stimulus payment is scheduled to send.
You moved and the IRS doesn’t have your current address
The problem: You moved in 2020 and the IRS (and maybe USPS) doesn’t know your new address. Or, you were receiving Social Security benefits on a Direct Express card (PDF), recently closed your account and the IRS doesn’t have your correct address to reissue the payment as aor .
Why it matters: If you got direct deposit but you need to claim additional stimulus make-up money later and you didn’t get the, you’ll have to jump through more hoops later on. Or, if you’re waiting for your stimulus check in the mail, you might have to keep waiting, if there’s an issue with forwarding. Similarly, if you closed a Direct Express account and the IRS doesn’t have your current address, it won’t know how to route your payment.
What next? If you think you’re getting a mailed payment,what your new mailing address is. If your check won’t be processed right away, you may have enough time. Otherwise, you may need to file for a catch-up payment later in 2021 or even a year from now during tax season in 2022.
Your check is currently stuck by a USPS delay
The problem: The IRS is currently sending a second batch of 15 millionand 5 million in the mail. But a delay in the postal service could cause some payments to lag.
What to do: Your best bet is toand sign up for . This free service scans your mail and lets you track when each envelope or package is delivered. Make sure you know what the or looks like so you don’t accidentally throw it away.
What next? If your check doesn’t arrive after a few weeks, you may want toIRS. Unlike with the first check, the agency is not welcoming phone calls, but you have some moves, including filing a .
You got some of your stimulus money but not the full payment
The problem: You received a stimulus check, but the. Are you missing money? It might be that the IRS owes you more money (including ) but paid you based on 2019 or the latest information it had. Maybe the agency didn’t know about a , or there was a calculation error.
What to do: Use ouryou might be owed. The doesn’t provide that level of information, but the . If there’s a big difference between the amount you think you should get and the total you did get, it might mean you’ll be able to claim more stimulus money in 2021 or 2022.
What next? First,. You’ll need it later. Next, keep alert for new information about how to file for a make-up payment. If the IRS thinks it sent you your total, but you didn’t get a check at all, you may need to file for a .
Your stimulus check was garnished
The problem: Could it be your money was? The first check was susceptible to seizure of many varieties, including if you owed . The latter wasn’t true for the second payment, except in cases where recipients didn’t get a check and need to claim a on their taxes. For the third check, private debt collectors are able to confiscate your stimulus payment.
What to do: If you think there’s been a seizure or a mistake, you’ll need to start by reaching out to your bank or credit union. You may have a.
You accidentally threw away the envelope containing your payment
The problem: With the first payment, some people reportedthe envelope containing their check, not recognizing that it contained a stimulus payment.
What to watch for: Pay attention to the mail and don’t assume it’s all junk. We recommendfor a heads up on what’s being delivered. For a paper check, watch for a white envelope sent from the U.S. Department of the Treasury. The memo field will read “Economic Impact Payment.”
Awill come in a white envelope with a seal of the U.S. Department of the Treasury. Once you open the envelope, the card itself will say Visa on the front and haveMetaBank, N.A., the name of the bank, on the back. The envelope will include details on how to activate the Economic Impact Payment.
What next? You can cash the check right away, but the 5 million EIP card recipients will need to activate the card first. The checks will expire after a year.
You were scammed
The problem: You think someone swiped your stimulus check, or stole personal and sensitive information while posing as a government agency contacting you about your direct payment.
What to do: We have a guide for. Remember that the IRS is sending a to let you know that it sent you a check and for how much.
You weren’t eligible to receive the third stimulus check this time
The problem:to mean that some people who qualified to get the first two payments . If you get a stimulus check for 2019 for more money than you’re eligible to receive for your 2020 taxes, you . If your 2020 taxes mean you qualify for more money than you get, you’ll be able to claim a make-up payment.
What to do: Brush up on the, including by . Then, compare this figure to what you actually receive. A new change this time around means that if your income is over the limit, — no matter how many dependents you have.
As you try to discover the status of your stimulus check, here’s what we know about, and you could get .