Here's what to know now that the IRS has stopped sending stimulus checks
How to see if your second payment is still on the way, why some may have to wait weeks or months for their money to arrive and what to do next if you still don't receive your stimulus check.
You never got yourand the deadline has passed -- what should you do if your hasn't arrived yet? You can plan to claim it when . (That goes .) Or is there still a chance your money went out before the deadline and is ? Your payment could also be stuck and .
Either way, if your check hasn't appeared by Feb. 12 when the IRS officially begins to process tax returns, you can claim your outstandingand in the form of a on .
We'll explain all the information you need to gather to find or claim your missing payment -- including three options to help track (and even) your stimulus money now, how to and how claiming a stimulus check credit could make your late payment come even slower to arrive. Yes, this includes any plus any money from your first check that you didn't get. (And here's what to know about a , including and .) This story was recently updated.
Start by tracking your stimulus check or EIP card. It could possibly still arrive in the mail this week
The IRS and Treasury sent paper checks at a much faster clip this time than last, but it isn't clear how many remain undelivered. Since the USPS may need a few days to sort and deliver your physical check orif the IRS sent it out before the Jan. 15 deadline it may be possible you'll receive it in the next few days.
The first thing you should do is use the. It'll give you a general payment schedule, the total amount you should expect to receive, and flag any problems you may need to look into -- like or if the tool says the stimulus money was .
Then, if the IRS Get My Payment tool says it's coming, use this free USPS service to.
Video: Second stimulus checks: Everything you need to know
Direct deposit: What to know about where your payment is now
The IRS and Treasury said they have sent over 100 million stimulus payments through this time around, a payment method that allows the agency to . However, the IRS' tracking tool didn't let people sign up for or change their direct deposit information this time around. And some people reported problems with checks being sent to the wrong bank account, which means millions haven't been able to receive their stimulus payments that way.
If the IRS didn't already have your banking information, you have no choice but to. If there's a problem with your payment, you'll (more below.) If you didn't get your second stimulus check this way, but want to receive a through direct deposit, you'll want to register with the IRS on your .
It's possible you'll need to request a payment trace with the IRS
Another way to track your missing stimulus check is through a payment trace. This gets a bit complicated, but we have a guide to. There are several scenarios that may apply to you, but it boils down to the IRS saying it sent a stimulus check you never received.
The IRS won't begin processing your missing payment until Feb. 12 -- at the soonest
Here's the bad news. If you're missing all or part of what the IRS owes you with your first or second stimulus check, there's no way around waiting until at least the middle of February to see your check. Feb. 12 is the IRS' first day of opening up tax filing, so you'll have to wait. You can, however, begin to prepare now, buy learning what you need to know and gathering your necessary documents. That applies as well to .
We recommend using theand to get an estimate -- you'll need to claim the amount as a as part of the 2020 Tax Season to claim the money. Any credit would either offset the amount you owe, or get bundled into your .
If you wait to file taxes, it'll take longer to get your stimulus money
Now that we are past the cutoff, the timing of your stimulus check delivery is now inextricably linked to your taxes. Feb. 12 is the first day you can file your taxes, including theto get your errant second stimulus payment. But you'll have until April 15 to file taxes and some people may beyond that.
How soon you submit your taxes for 2020 could have a direct effect on how quickly the IRS is able to process your return. People who file their returns in February would likely receive their stimulus check credit months before people who wait until the April 15 deadline or later.
If you moved recently, you need to tell the IRS and USPS
If you've recentlyso you can get any stimulus money owed to you (and a third stimulus check, too). You also need your updated address on file so you can receive your confirmation letter from the IRS (you'll need this if you have to file a claim.)
The IRS doesn't want you to call if you have an issue
Sorry, it's true. In May 2020, the IRS hired 3,500 telephone operators to help field incoming calls about the first stimulus check. Now its website implores you not to call.
"Please do not call the IRS about the new payment; our phone assistors do not have additional information beyond what's available here on IRS.gov and in the Get My Payment application," the IRS website says.
Here's what the agency, including initiating a payment trace (see above).
What if you're a Social Security benefits recipient, an older adult, don't file taxes, you pay or receive child support or are incarcerated?
There may be some specific scenarios that have specific rules or exceptions. We're trying to get answers from the IRS, but until then, here's what we know about stimulus check money in general for:
- People who are from the first stimulus check.
- Those who .
- Tax .
- People who benefits.
For more information, here are the, here's how a might happen, all the and how to .