Scheduled and late payments from previous stimulus checks and anticipated tax credits were disbursed in batches by the IRS according to the schedule below.
These are no longer paid and any missing payments will now need to be claimed through your 2021 tax returns filed during the 2022 filing season.
Review the sections below for more information on past payments and considerations when claiming these payments in the future.
where’s my refund? I filed my tax return weeks ago
Many tax filers are facing lengthy delays in getting their tax refund as the IRS continues to deal with delays and processing adjustments to returns that incorrectly claimed the CTC or EITC.
If it’s been more than 21 days and you can’t get updates to find out what’s happening with your tax refund processing through the wmr/irs2go refund verification tools or your tax transcript, you should call the irs to see what the delay is.
Be sure to also check your irs account transcript or official notices to see if there is any pending action on your part.
claim missing or partial stimulus payments in 2022 through filing the 2021 tax return
the irs has now stopped making recovery payments or retroactive stimulus payments. According to the latest FAQ, they announced that taxpayers who did not receive the full amount of their third economic impact payments must file a 2021 tax return, even if they don’t usually file taxes, to claim the payment as a 2021 recovery refund. credit (rrc).
free edition of turbotax: $0 fed. $0 status. $0 to file. see if you qualify
this was the same process for 2020 eip (stimulus check payments) in 2021, as discussed in the sections below. Any stimulus payment you receive will reduce the tax you owe for 2021 or increase your tax refund.
2021 payments claimed through your tax return may be offset against any past due debt from a federal or state agency.
if you already received the third stimulus check as an advance payment in 2021, which would be reflected in the notice 1444-c or letter 6475 from the irs that was mailed to you earlier this year, it is not necessary take no action. it is a refundable credit and exempt from your gross income.
The IRS has it on file and will automatically account for it when you file your return. You can also view a payment transaction history on your transcript or in your online IRS account.
If you try to claim it again intentionally or by mistake, however, you’ll likely face a refund delay, as the IRS systems will flag you and offset any overpayments.
The third dependentnt stimulus payment is subject to the same rules as above, and new dependent payments can be claimed through your tax return.
Also note that the IRS is very clear that 2021 returns should only be used to claim missing or underpaid third stimulus payments (eip). not claiming or reporting the first or second stimulus payment. instead, you must file a 2022 return (regular or amended) to claim them. turbotax and h&r block are the best options to help with this.
advance child tax credit (ctc) stimulus payments
The IRS has completed regular 2021 payments for the $250 or $300 CTC monthly payments to eligible taxpayers for their dependents. You can see more about the payment schedule, issues, and eligibility in this article, with the final schedule below.
Those who are paid by direct deposit should have received payment on or after the day of their pay date. If you are paid by check or debit card, your payment may take up to one more week. monthly payments are worth about $15 billion in total and reach nearly 35 million families, with about 86% being paid via direct deposit.
2021 Stimulus Check Batch Payment Program (EIP) – Now Ended
If you were eligible to receive the stimulus payment and got it via direct deposit (the fastest way), it will be automatically deposited into the same account used on your most recently processed 2019 or 2020 tax return.
The payment appeared on your statement as “irs treas 310 xxtaxeip3” or something similar. Those who do not have bank details on file with the IRS and prefer paper checks will receive stimulus checks in the mail in 2-4 weeks. You can always check the IRS Get My Payment (GMP) tool for the latest status of your payment.
expect delays, especially if you had previous payment problems
Similar to the previous round of economic stimulus/shock payments, there are likely to be payment issues given the expanded eligibility and dependent groups that can now receive this payment (for example, college-age children and dependents of advanced age). Also, if you’ve had problems in the past, and I know many are still waiting on previous payments or had to claim them as a recovery refund credit, expect some delays with the next round of payments.
The good news is that the weekly batches will continue to occur through the end of the year, as the IRS aims to make payments to all eligible recipients (see additional payment details below). They are also actively sending payments to people whose information was previously unavailable but who recently filed a tax return electronically.
most recent irs payment status
The IRS has announced that it has sent more than 180 million EIP/stimulus check payments worth more than $420 billion, including the latest batch. Payments are sent primarily based on data from the 2019 or 2020 tax return, or information the IRS has obtained for non-filers. the status and method of these payments is available in the gmp tool. Some payments also include tax credits related to the $10,200 unemployment income tax exemption provided for in the ARPA bill. The IRS also said they are now processing all payments, including non-filers and recipients who receive payments by paper check or prepaid debit card. Those who receive their stimulus payment for mail should start seeing your money now. pay close attention to the delivery of your mail so you don’t inadvertently drop the envelope.
what days are the stimulus/eip payments made and when will they be in my bank account?
The table above shows the date the payments are issued by the IRS. it generally takes 2-5 business days after the start/issue date for the payment to reach your bank account (and 1-2 weeks for checks or debit cards). So, for example, on Lot 6, the IRS announced that Friday, April 16 was the start date for processing, but the official payment date was Wednesday, April 21.
however, many people have received direct deposit payments into their accounts before the payment date, which would show as provisional or pending deposits. Based on the pattern of previous batches, stimulus payments typically arrive in most bank accounts on Monday or Tuesday.
plus additional payments (not a fourth stimulus check) for those with updated information or missing stimulus checks
go now eip/stimulus payments (from batch 3) include ongoing supplemental payments for people who received payments in early March based on their 2019 tax returns but are eligible for a new or larger payment based on your recently processed 2020 tax returns (see return schedule). these “extra” payments could include a situation where a person’s income decreased in 2020 compared to 2019, or a person had a new child or dependent on their 2020 tax return, and other situations.
Millions of “catch-up” or “plus-up” payments have also been issued to people for whom the IRS previously had no information to issue a stimulus (economic shock) payment, but who recently filed a return of taxes of 2020 .
Stimulus Payments for Non-Filers and Dependent and Payment Information Updates
for non-taxpayers who have not filed a recent tax return, the irs is working with the relevant federal and state agencies (eg, ssa for social security recipients) to obtain the most recent payment and dependent data. There is also talk of a new tool for non-filers that the irs would implement to allow the payment and detailed updates of dependents for this payment.
This would also allow the flow of updates for the other expanded stimulus payments of the child tax credit (ctc) and the earned income tax credit (eitc) in the arp packet. or the IRS will use the payment and dependent details based on previous stimulus payments.
where are the stimulus checks for veterans, social security recipients, ssi and ssdi
The Internal Revenue Service (IRS) is also now processing third stimulus check payments for this group of recipients and their dependents, after several weeks of delays. This was primarily attributed to obtaining updated dependent and payment data from other federal agencies (eg, the SSA). Most SSI and SSDI recipients should now have started seeing stimulus payments (EIPs) arriving in bank accounts, with checks mailed and debit cards arriving in the coming weeks. but I wouldn’t be surprised if your newly eligible dependents’ payments take even longer to be paid.
for those social security recipients and other federal recipients (ssdi, ssdi and rrb) who did not file a 2020 or 2019 tax return and did not use the non-filer tool last year, payments will begin as part of the batch 3 and 4 processing (see table above). The irs is also making stimulus payments for recipients of veterans affairs (va) benefits with the gmp tool that now shows payment status for this group of recipients.
paper checks or debit cards sent by mail
The form of payment of the third stimulus may be different from the first or the second. Some people who got a paper check last time may get a prepaid debit card this time, and some people who got a prepaid debit card last time might get a paper check. The IRS has emphasized that payments are automatic, and you should not contact your financial institutions or the IRS with questions about payment timing unless first-round (normal) processing is completed.
Also note that third stimulus check payments will not be added to an existing debit card that was mailed in for the first or second round of stimulus payments. according to the legislation a new card must be issued.
can my stimulus payment be garnished?
Like payments from the last stimulus check, the third stimulus check cannot be offset to pay for various past due federal debts or back taxes. this does not apply to child support payments that are overdue. If you are behind on child support, your stimulus check may be fully or partially garnished, or you will not receive a stimulus check or will receive a reduced one.
Please note that if you claim your stimulus check through your 2021 tax return, it will be paid through your refund and will be subject to larger offsets.
will i be able to call the irs if i have problems?
You will have to wait for the IRS to finish normal processing of recovery refund payments (4-6 weeks, including mailed checks). Until then, you’ll have to rely on the IRS Get My Payment (GMP) tool to track the status of your payment. and with the irs closing for 2021 filing season and refund processing, i expect it will be very difficult to contact an irs agent to discuss your missing or late payment.
why is my payment showing early or in provisional status?
This is normal since the processing/start date of the given payment batch and the payment may be a few days apart. generally the payment date is 5 days after the processing date, so the payment is classified as provisional until the official payment date. That’s why many eligible recipients see direct deposit stimulus payments as pending or interim payments in their accounts before the official payment date.
fourth date of direct deposit of the stimulus check
At this stage there is no formal date or funding for a fourth stimulus check, but if economic growth slows or the delta strain coronavirus spreads more than expected, then I wouldn’t be surprised to see another stimulus payment around the thanksgiving day 2021. i will monitor updates and post if more news arrives.
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second stimulus check (approved in December 2020)
[updated with latest payment status] With the passage of the COVID-19 relief (stimulus) bill, Congress has funded another $600 stimulus check for adults ($ 1,200 for a couple) and $600 for dependent children. Payment of these checks by the IRS begins December 30 and will begin arriving in millions of American accounts before the new year. If you are eligible to receive the stimulus payment via electronic direct deposit, it will be automatically deposited into the same account used when you filed your 2019 tax return and/or the account number used in the previous stimulus payment program. the payment will appear on your account statement as “irs treas 310 xxtaxeip2” or something similar. You can also check the IRS site for the most recent status of your payment.
[irs update – jan 15] the irs has almost completed the deposit of the second stimulus check payments that were sent via direct deposit. they are now processing stimulus payments that were known to have errors (such as incorrect bank accounts) or had widespread problems. as a result, millions of taxpayers will receive their second economic impact payments by debit card. These prepaid debit cards are faster and more secure than checks and can be easily converted to cash. Individuals can check the status of their first and second payments using the IRS Get My Payment tool, which will show the date these debit cards were sent.
The payment method for the second eip mailed may be different than the first eip mailed. Some people who got a paper check last time may get a prepaid debit card this time, and some people who got a prepaid debit card last time might get a paper check. The IRS has emphasized that payments are automatic and that you should not contact your financial institutions or the IRS with questions about payment timing.
all stimulus checks must be paid by January 15, 2021
According to the text of the approved legislation, all stimulus payments must be made before January 15, 2021. while the irs has extended payment dates for exceptional situations/groups (eg stimulus payment, they have reported If you don’t receive your second stimulus payment by January 15, then the most efficient way to get your money would be to claim it when you file your federal income tax returns in 2021 as an IRS Recovery Refund Credit. like turbo tax, hr block and tax act will have an option for this with your 2020-2021 tax return that you can do now you will also be able to use your 2020 tax return to claim money the irs still owes you from the first round of stimulus checks.
claim your stimulus check (eip) on your 2020 tax return
Eligible people who missed an Economic Impact Payment this year, either the first or second payment due to a host of possible reasons, will be able to claim it when they file their 2020 taxes in 2021. People will see the payments economic impact (eip) credits called recovery refund credit (rrc) on form 1040 or 1040-sr since eips are an advance payment of rrc.
if you did not provide the irs with your direct deposit account information on your federal tax return in the last two years, and you have not provided the irs with your information as a non-filer, you will likely receive a treasury check US or debit card in some circumstances. The check will be mailed to the address on file with the IRS from the prior year’s tax return. it could take 5-6 weeks to receive the check in the mail.
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payment schedule for the first stimulus check of 2020
The IRS has issued most stimulus checks (Economic Impact Payments) that were required to be paid by direct deposit. they are now mailing checks to those who did not have or provided bank details, or where problems were identified paying the stimulus check electronically. The following is the planned weekly stimulus check mailing schedule based on annual adjusted gross income, as first reported by the Washington Post. All dates represent the “weekend” (for example, the week ending April 24) and the IRS may change this schedule at any time.
- Under $10,000: April 24
- $10,001 – $20,000: May 1
- $20,001 – $30,000: May 8
- $30,001 – $40,000: May 15
- $40,001 – $50,000: May 22
- $50,001 – $60,000: May 29
- $60,001 – $70,000: June 5
- $70,001 – $80,000: June 12
- $80,001 – $90,000: June 19
- $90,001 – $100,000: June 26
- $100,001 – $110,000: 3 July
- $110,001-$120,000: July 10
- $120,001-$130,000: July 17
- $130,001-$140,000: July 24
- $140,001 – $150,000: July 31st
- $150,001 – $160,000: August 7th
- $160,001 – $170,000: August 14th
- $170,001 – $180,000: August 21
- $180,001 – $190,000: August 28
- $190,001 – $198,000: September 4
- checks remaining: September 11
The IRS has confirmed that the distribution of Economic Impact Payments (stimulus checks) has begun. Payments for most U.S. workers have been calculated and deposited or mailed by check based on payment details from the 2018 or 2019 federal income tax return. check payments may take an additional week or two. The IRS has also launched several tools to help people track their stimulus check payment and/or update direct deposit details. see FAQs and more updates below.
Most people will not need to take any action and the IRS will automatically calculate and send the economic stimulus payment to those who are eligible. a dependent stimulus is also available.
For those who have not yet filed their 2019 tax return, the IRS will use the information from their 2018 tax return to calculate the payment. The economic impact payment will be deposited directly into the same bank account shown on the filed return. So if your 2018 information is out of date or your income situation changed in 2019, be sure to file your return, even if you have no taxes due (start filing for free with turbotax).
SSDI beneficiaries will automatically receive the $1,200 payment (or $2,400 per couple) starting April 17 based on their payment information with the Social Security Administration, unlike other workers who they have to have a recent tax return to get the stimulus payment.
Where’s My Stimulus Check Payment? The IRS has launched new tools to allow eligible Americans to register and track their stimulus check payments. The Enter My Payment Information tool located on the irs.gov website will also allow taxpayers who did not have to file a tax return in 2018 or 2019 to update their banking information on their return to submit information. direct deposit to ensure they receive their payments sooner.
stimulus check payment schedule
- direct deposit payments will generally be deposited 2-3 days after the irs confirms income eligibility for the payment.
- Physical checks will take at least 6-8 weeks to mail.
Social Security and disability beneficiaries who are eligible for the payment will receive deposited stimulus checks/payments the same way they currently receive payments. ssdi will automatically get a verification based on the 1099 they get and you don’t need to do anything.
Can my stimulus check be garnished?
the cares act has provisions to ensure that the stimulus check payment cannot be garnished for overdue loans or back taxes (which is not the case for tax refunds), but this does not apply to payments child support that are behind. If you are behind on child support, your stimulus check may be fully or partially garnished, or you will not receive a stimulus check or will receive a reduced one.
Couples who file jointly and are eligible for the $2,400 payment may also see smaller stimulus checks when one spouse has back child support from a previous relationship or marriage. Even if your spouse is solely responsible for the arrears or missed payments, the joint stimulus check will likely be garnished.
Note that there are some private debt collectors who say that stimulus payments can be intercepted to cover overdue loan payments based on vague wording of the care law. however, congress and state legislatures are working to close this loophole.
Since more than 120 million Americans could be eligible for the payment, it will take a while to process stimulus checks. The IRS has reiterated that they will post the latest information on their website and that trying to call them (if you can get through) will not provide you with more information.
However, I’ll try to find more details and, as always, please share your thoughts or suggestions on this topic.