Missing a child tax credit payment? Here's how to track it
If your December child tax credit check, or a previous month's check, never arrived, we'll tell you how to trace it.
Dashia is a staff writer for CNET Money who covers all angles of personal finance, including credit cards and banking. From reviews to news coverage, she aims to help readers make more informed decisions about their money. Dashia was previously a staff writer at NextAdvisor, where she covered credit cards, taxes, banking B2B payments. She has also written about safety, home automation, technology and fintech.
The monthly child tax credit payments have come to an end, but more money is coming next year. However, if you still haven't received any checks or if you're missing money from one of the months, you're not alone. Many parents have faced child tax credit problems each month since the payments started. We can help you figure out what's going on with your money.
For past payments, we found that if only one parent in a married household made a correction to banking info or a mailing address, it could have reduced the amount of the payment. Also, parents might have received more money than they qualify for due to outdated tax information from old returns, and inaccurate payment amounts could affect their taxes in 2022.
We're here to help you figure out how to track your check online using the IRS Update Portal and file a payment trace if a few weeks have passed and there's no sign of your money. Here's the latest on the child tax credit extension. We've updated this story.
What are possible reasons I haven't gotten any child tax credit payments?
The 2021 advance monthly child tax credit payments started automatically in July. Even though child tax credit payments are scheduled to arrive on certain dates, you may not have gotten the money as expected for a few reasons. The IRS may not have an up-to-date mailing address or banking information for you. The mailed check may be held up by the US Postal Service or, if it was a recent payment, the direct deposit payment may still be being processed.
It's also important to note that if you've been a victim of tax-related identity theft, you won't receive child tax credit payments until those issues have been resolved with the IRS. If the issues aren't cleared up this year, you'll get the full amount when you file taxes in 2022. And keep in mind that even if you have unpaid state or federal debt, you should still receive child tax credit money if you're eligible.
In September, roughly 700,000 families did not receive a payment due to an IRS technical error. Problems with missing payments were also reported in previous months among "mixed-status" families, where one parent is a US citizen and the other is an immigrant, though that issue should have been corrected for later payments.
Another possible reason your check may be delayed is if your 2020 return is still being processed. If your information has changed or you had a baby recently, the IRS may not know that it owes you the credit, especially if the tax agency is basing the credit on your 2019 tax return while the latest one is processing.
How do I get an update on my child tax credit check status?
Your recurring monthly payments should've hit your bank account on the 15th of each month through December. According to the IRS, you can use the Child Tax Credit Update Portal to see your processed monthly payment history. It'll be a good way to watch for pending payments that haven't gone through your bank account yet.
If you still haven't received the money you're owed, see if the Processed Payments section of the update portal has any information. If the payment was delivered, make sure your address and banking information are correct -- especially if you've moved or changed banks.
To check on your payments online, you'll need to register with your IRS username and ID.me account information. First-time users will need to have a photo ID (it's one of the ways the IRS is trying to protect your information from identity theft).
If you're checking your bank account, look for the deposit labeled CHILDCTC. If your bank has not received the deposit from the IRS, it won't have any processing information for you if you're trying to locate your check. If you think there's an error, start by using the update portal to double-check the bank details the IRS has on file, including your account information and routing numbers.
Child tax credit payment schedule
Maximum payment per child 5 and younger
Maximum payment per child age 6 to 17
April 2022: Second half of payment
Watch this: Child tax credit: Everything we know
When should I file a payment trace for my missing money?
The IRS also offers a payment trace as a way to find your funds, including from missing stimulus checks. You can request a trace -- which means filing an inquiry into the location of your IRS money -- by mailing or faxing Form 3911 (PDF) to the tax agency. Even if the IRS says you're ineligible for advance payments, it's best to submit a payment trace in case there's a portal error.
Your payment will be traceable if it has been at least five days since the deposit date and the bank hasn't received the money, four weeks since the check was mailed or six weeks if it was mailed to a forwarded address listed by USPS. If the check was mailed to a foreign address, you can ask for a payment trace after nine weeks.
When to request a payment trace
Method of payment
Time passed since IRS sent your payment
Check mailed to standard address
Check mailed to a forwarded address
Check mailed to a foreign address
At first glance, the steps to request a payment trace can look daunting. You'll need to print and mail the completed Form 3911 from the IRS (PDF) to start tracing your child tax credit payment. If you need help completing the form, contact your local tax consultant. Before you do, there are a few pointers to keep in mind.
An IRS representative told CNET that there isn't an abbreviation or code to include in the "Inquiry" field. You'll need to be as specific as possible about what payment you'd like to track. Make sure to specify that you're looking to trace a child tax credit check and the month the payment was disbursed.
If you filed taxes jointly, both parents will need to sign the form to start the payment trace process.
Be sure to check whether or not your money was sent via direct deposit or check. If your banking information is listed on the Child Tax Credit Update Portal, we recommend choosing the direct deposit box.
You should not request a payment trace to determine your eligibility or to confirm your child tax credit amount.
It could take up to 60 days to receive a response.
What if I don't get the amount I expected?
Your child tax credit checks may have been less or more than you expected. If you meet all of the child tax credit requirements and find that you received less or more money than expected, there are a few steps you can take. Start by checking your eligibility based on your most recent tax return using the IRS Eligibility Assistant.
According to a Sept. 24 IRS statement: "There are multiple reasons why people may be seeing a different amount than they expected. If only one spouse changed an address or bank account, the other spouse's half could be going to the old address or bank account. In these instances, the full payment will still be distributed. Monthly payment amounts can also change depending on recently processed tax returns."
The IRS could have used your 2019 tax return to determine your eligibility for this year's credit. Once the IRS processes your 2020 tax return, it will automatically adjust your advance monthly payments.
If you didn't get one of your checks, you may still get it with the next scheduled payment date after the IRS makes an adjustment. Parents with missing payments this year should expect their remaining checks to be larger, as they will be spread out over fewer payments.
One reason a parent may get less money is if they fall out of the income bracket for the maximum amount for monthly payments. Married couples filing jointly earning up to $150,000 and single filers earning up to $75,000 can qualify for the full amount. If you make more, the monthly check is reduced by $50 for every $1,000 over the income bracket. So, if you earn $80,000 as a single filer, you may only be eligible for up to $200 per month -- depending on other eligibility factors.
How do I contact the IRS about my child tax credit questions?
You may have questions about your child tax credit eligibility, a missing check or changes to your information. Your first thought may be to contact the IRS, but there's limited live assistance due to the tax return backlog, delayed stimulus checks and unemployment tax refunds. The IRS has not announced a separate phone number for child tax credit questions, but the main number for tax-related questions is 800-829-1040.
Instead of calling, it may be faster to check the IRS website for answers to your questions. And remember that the Update Portal can help with eligibility, payment history and updating your personal information online.