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It's too late to direct deposit your stimulus check: Here's what happens now

The IRS is no longer accepting direct deposit info, but you could still get a stimulus check in the mail or through a prepaid debit card. Here's what you need to know.

For the most up-to-date news and information about the coronavirus pandemic, visit the WHO website.

As long as you're eligible to receive one, the IRS can still send your stimulus payment, even if you missed the cutoff to give the agency your direct deposit banking info (the deadline was May 13). You'll just get your relief check in a different way. The IRS right now is still sending out coronavirus payments to US residents. As of May 22, the agency said it has made 152 million payments, with several million to go. The US House of Representatives has also passed a second stimulus bill that may include up to $1,200 per person.


The IRS says it's stopped taking banking information for direct deposit of stimulus checks.

Angela Lang/CNET

For now you can still get your share of this first (and potentially only) relief package without having to do a thing. It'll either arrive through a prepaid EIP (economic impact payment) debit card from the US Treasury or as a check in the mail. We'll walk you through some basic information about how you'll get your payment and explain how you can track the money in two different ways. We also know some reasons why you may not have received your stimulus check yet.

If you're looking for more help paying bills, here's what we know about unemployment insurancewhat you can do if you've lost your job and how the coronavirus is affecting your rent and car payments. We update this story often with new information.

Now playing: Watch this: Stimulus Checks Helpline

Stimulus check arrival: In the mail or through direct deposit?

Now that the IRS says it's no longer accepting direct deposit information, the federal agency said it will continue to transfer relief money to bank accounts and focus on mailing the rest of the paper checks, which should begin arriving through late May and into June. The Treasury Department said it is also sending up to 4 million of those payments as "economic impact payment cards" instead of paper checks. The Treasury Department hasn't responded to our request for clarification as to who gets an EIP card.

Here's how to figure out if you're getting a check or EIP card in the mail or straight to your account if you didn't set up direct deposit, using the Get My Payment tool.

If you filed taxes in 2018 or 2019 and included direct deposit information: You're all set. The IRS should automatically deposit your check in the bank account you provided on your tax return.

If you filed in 2018 or 2019 but didn't include direct deposit information: The IRS will mail you your payment.

If the bank account you put on your tax return is no longer active: The IRS will mail your check to the last address it has for you.

If you had entered your banking information by Tuesday of last week: The IRS says your payment date should have been available in Get My Payment on Saturday. 

If you entered your bank information after last Tuesday and before noon ET on Wednesday: Your payment date should be available beginning this coming Saturday.

When will I get my stimulus check?

The IRS said it will be making payments through the rest of 2020. If you don't receive a payment this year -- or if you were due a larger payment than you received because of a new child, for example -- the IRS said you can claim your allotted stimulus money next year by filing a 2020 tax return. 

Hopefully, you'll get your payment much more quickly than that. You can use the Get My Payment portal to see your payment schedule

Note that sometimes even if you did manage to enter your banking information the IRS will still send you a check in the mail because it was already processing the payment. The IRS said it can take up to 14 days to receive a payment if this is the case.

What's going on with a second stimulus check?

While many US residents are still waiting for their first payments, the House of Representatives passed a bill on May 15 for additional economic relief, including a second coronavirus relief check for up to $1,200 per person and $6,000 per family. It's a long way from becoming law, however, as it moves to the Senate.

For more, here's how best to use your stimulus check and how to avoid being scammed.