The IRS continues toof the -- up to -- along with to those who didn't receive the full amount of what they're owed. But what if your check was never deposited or you never received it by mail? We can help you figure out what to do to .
You might be experiencing some frustration. Sometimes thedoesn't work, or you might have a problem with , a or one of several other . Maybe you received saying that your payment was sent but your . Or, you might have gotten the , and are owed some . You could also be . If you receive or , there are lots of questions to resolve as well.
We have some advice to share with you: The IRS doesn't want you to call. We'll explain the different approaches you can take instead, including filing for a on your or . We can also share information on a potential , , new ways to and from unclaimed property. Plus, here's how you can get more money in the if you have kids or , and how to . This story has been updated.
First, track your payment status with the free IRS Get My Payment tool
For the third stimulus check: It's worth visiting the IRS' online portal designed to Get My Payment tool doesn't give you information you can understand or says your check is on the way and you haven't received it, you may need to eventually request a payment trace or file for a .. Generally, it should tell you when your check will be processed and how you'll receive it (for example, as a paper check in the mail). If the
For the first or second payment: If you can't find the letter sent by the IRS, you'll need toto see your status. For any problems, you may need to issue a or file for a , even if you . Here's more information about .
Why does Get My Payment say it needs more information?
If thegave you a payment date but you still haven't received your money, the IRS may need more information. Check the Get My Payment tool again and if it reports "Need More Information," this could indicate that your check has been returned because the post office was unable to deliver it, an IRS representative told CNET. Here are more details on how the .
Why does Get My Payment say that the status is not available?
It's normal for the according to the IRS. This message doesn't mean you're not eligible or that you won't receive a payment -- you'll likely just have to wait.to give you a message that says "Payment Status Not Available" until the payment is scheduled to be issued,
What should I do if I'm a SSI, SSDI or veteran benefits recipient?
The IRS began sending out stimulus checks for Social Security beneficiaries, including those who are part of the, on April 7. It began sending payments to people who receive and don't typically file taxes on April 14. If you're part of one of these groups and haven't gotten your check yet, it may be on the way soon.
The Social Security Administration has also advised people not to contact the SSA with problems. It's possible you may need to use one of these strategies below, depending on what the trouble is.
What should I do if there's a direct deposit problem with my bank?
The a temporary prepaid debit card a tax preparer set up for you. If your payment was returned to the IRS, the agency will mail your check to the current address it has on file for you. If that check is returned, then the IRS will let you enter your banking information in the Get My Payment tool, the IRS said.doesn't allow you to this time unless the IRS can't deliver your payment. So if you have a problem, what do you do? Your check may have bounced back to the IRS if the agency tried to send your payment to a now-closed bank account or to
First, we suggest you call your bank or tax preparer -- it never hurts to cover all your bases to confirm that an attempt was made to deposit money into a closed account or debit card.
Unfortunately, you'll need to wait and US Department of the Treasury said that any who hasn't received a direct payment by March 24 will get a check or , instead of through direct deposit.to keep tabs on your check delivery. We also recommend signing up for a free service to . And by the way, the
Could my stimulus payment have been taken to cover debt?
If you oweor other debts, your first check was . The third check is subject to being taken by private debt collectors, but not the state or federal government. The same goes for the second payment, too, if you're claiming missing money in a . You may receive a notice from the Bureau of the Fiscal Service or your bank if either of these scenarios happens.
In the case of the third check, we recommend calling your bank to confirm the garnishment request from creditors and ask details about how long you have to file a request with a local court to stop the garnishment. If you think money has already been mistakenly seized from the first two checks, you can file aas part of your 2020 tax return.
How can I take action if my check is still missing?
About 15 days after the IRS sends out your check,from the agency confirming the payment. When the first round of stimulus checks went out last year, that letter included two hotline phone numbers because thousands of agents were available to help. But with the second and third rounds of checks, the IRS changed its tune, and these phone numbers may be disconnected.
Here are three common scenarios that might indicate you need to look into your stimulus payment:
- If you're one of the millions of people who qualified for the , but never got it.
- If your second stimulus check .
- If you got a letter from the IRS saying your third check was sent, but never received the payment. Or, if the IRS Get My Payment portal said your payment was sent, but you didn't get it (more on this below).
- If you got some of your stimulus money from any payment, but not all of it. (You can .)
You should also confirm you're, since not everyone who received a previous check . If you think it's time to take action, read for more options.
Should I file a payment trace to track down my missing stimulus payment?
You canif you received the that your payment was sent (also called Notice 1444), or if the shows that your payment was issued but you have not received it within certain time frames. This is the case for all three checks. .
Can I claim missing money from the first or second stimulus check on my 2020 tax return?
If you're certain you meet theor , what to do next depends on your situation.
The tax return instructions include a worksheet to figure out the amount of any Recovery Rebate Credit for which you're eligible, according to the IRS. If you're part of a group that doesn't usually file taxes (such as, and individuals with of ), you'll still need to file this year (we have instructions for ). You should also save your IRS letter -- Notice 1444 Your Economic Impact Payment -- with your 2020 tax records, as you'll need it to file the claim.
You can also file for a Recovery Rebate Credit if youin your first or second check. The same goes for (and next year, parents of 2021 babies will similarly be able to file).
What if my third stimulus check is less than I expected? Will I get a plus-up payment soon?
You can estimatefor the third stimulus check. Just make sure you triple-check that you , including the .
Because of the, many people may receive some, but not all, of their allotted amount. If your income changed in 2020, in some cases, the IRS may owe you more money than you received if the from your tax returns in 2018 or 2019 is less in 2020. Likewise, if you now have a , such as a , you may be owed more money.
The IRS is automatically sendingto make up the difference. If you don't get one, you may need to claim the missing money another way later in 2021 or even in 2022. We're still waiting on further instructions from the IRS. People who are missing money from the first or second checks have until the to claim the difference as a .
If my payment doesn't arrive, do I need to file another form with the IRS?
As was the case with the first and second check, if you filed a 2018, 2019 or 2020 tax return or receive government benefits, the IRS should automatically send your third check without you having to do anything.
If, however, file a 2020 tax return ASAP to state the number of . Otherwise, you may need to file for that money on a 2021 tax return (in 2022) in the form of a , described above., a US citizen or permanent resident, had a gross income in 2019 under $12,200 -- or $24,400 as a married couple -- and didn't file a return for 2018 or 2019, you may need to give the IRS a bit of information before it can process your payment. Since the is now closed, you should
Here's more information about who shouldand who shouldn't.
What if my EIP card was lost or stolen?
At least 5 million people will receive their third stimulus check on a prepaid debit card called the, instead of a paper check. With the third payment, the arrives in a white envelope sent from "Economic Impact Payment Card." The letter will have a US Department of the Treasury seal.
The card has the Visa name on the front and the issuing bank, MetaBank®, N.A., on the back. Information included with the EIP Card explains that this is your Economic Impact Payment. If you receive an EIP Card, visit EIPcard.com for more information.
If you've misplaced or thrown away your card, the EIP card service has an FAQ on what to do if your card is lost or stolen. You can also call 800-240-8100 to request a replacement. It's free, according to a spokesperson for the Treasury Department. To request a new card, press option 2 when prompted.
However, the EIP card website says, "Your Card will be deactivated to prevent anyone from using it and a new replacement Card will be ordered. Fees may apply." We recommend calling the above number for a lost or stolen card and speaking to a representative. If you may have lost or thrown away a paper check, read the mail fraud section below.
What if my stimulus payment was stolen in a scam?
Though it's uncommon, you may believe you've been report a stolen stimulus check. If you're worried about theft, you can sign up for a free USPS service that will -- including your stimulus payment.or had it stolen. The Federal Trade Commission has a website where you can
Need more info?
Here are some additional things you can try to, including if you think your . Here's everything you should know about the , the and other ways the most can benefit you.