The IRS and Treasury are now into their second week sending More than 90 million payments of have now been made, but the agencies have acknowledged it will take weeks to complete the payments wrapped up in . On Monday, the Treasury announced it will send the next batch of this week, including to people receiving . The timeline for is still unknown — the Social Security website promises a Q&A page “soon.”by way of and .
It could take months for some people to get their. For example, if the IRS uses your to your stimulus total, but you’re owed more funds based on your 2020 taxes, you may wind up needing to claim the remainder later this year or even in 2022. (Here’s how to and .)
could also affect the delivery date of your stimulus money. , parents in a , income tax , and people who may all find details and exceptions that could complicate or delay delivery of their money. We go over what to know below. Here’s what to do , and this is the story so far on a . This story was recently updated.
The third stimulus check delivery date lowdown today
On Monday, the Treasury announced a new wave of payments for all three payment groups. “Taxpayers who do not receive a direct deposit by March 24 should watch the mail carefully in the coming weeks for a paper check or a prepaid debit card, known as an Treasury said in a press release.,” the
The dates below represent the start of the payment cycle — it may still take days or weeks for stimulus checks to be processed and scheduled before you receive it. Other additional complications could also delay your payment. If you.
Stimulus check delivery dates
|Stimulus bill passed Congress||March 10|
|Stimulus bill signed into law||March 11|
|First direct deposit sent||March 12 (provisional), March 17 (official)|
|First paper checks sent||Week of March 15|
|First EIP cards sent||Week of March 22|
|SSI and SSDI checks sent||Not yet announced|
|IRS deadline to finish sending checks||Dec. 31, 2021 (mandated by the bill)|
|Last date to receive a check||January 2022 (if checks sent late December)|
|Claims for missing stimulus money open||2021 tax season likely (in 2022)|
How you can track your stimulus payment status online
The IRS updates itsdaily. This online app shows you the status of your payment, including when a check is scheduled for delivery. The IRS portal can also flag if there’s a problem with your payment that you may need to address, but it doesn’t tell you the amount you’ll receive. You can use a free tool from the USPS to .
What to know about payment groups and delivery dates
The IRS identifies three payment groups based on how your money is sent:
- deposits going to temporary accounts that were rejected by banks. In some cases, people caught up in this issue got paper checks or EIP cards instead — or had to wait for the issue to be resolved. : This group gets its stimulus money in the first wave. For the first two checks sent out as part of relief efforts in 2020, there were problems involving
- Paper checks: This is the payment type the IRS sends out second. A physical check can take weeks to arrive by mail, but the check can be deposited or cashed right away once it arrives.
- : This payment type arrives as a prepaid debit card you must activate online to use. The IRS issues EIP cards last, delaying the payment’s arrival for this recipient group by weeks.
Just because you got your payment through direct deposit the first two times doesn’t mean you’ll get it that way again. The IRS told CNET in January that some people who received their first stimulus payment as a physical check or as an EIP card may have been paid by the other method the second time around. Anecdotally, we also learned of people who received direct deposit payments the first time getting an EIP card in the mail — and not an electronic bank transfer — weeks after the IRS tool said the payment was issued.
Even tiny errors can cause a delay in you receiving your full or partial payment. (Here’s more information for, and .)
How you’ll know if the IRS uses your 2019 or 2020 tax return to calculate your total
Taxes are now. So how will the IRS figure out how much it owes you? It will based on the most recent tax filing it’s processed at the time it’s ready to tabulate your check.
If youand you , your total will likely be based on your 2020 , not on your 2019 AGI. That presents complications if the difference between the two years .
On the flipside, if the IRS uses your 2019 taxes and you’re owed more money based on your 2020 AGI and dependents, you’ll need to claim the difference at a later date. (Learn more about some of the.)
If you get a partial payment, you’ll have to claim the rest later
There are several reasons the IRS may owe you stimulus money after it sends out the third round of checks. Maybe the agency processed your 2019 tax return instead of 2020 and there was a discrepancy. Or maybe youthat you still need to claim as a dependent. Maybe a clerical error accidentally left out a . Perhaps your payment never arrived or was .
Whatever the reason, the IRS may provide a way to file for missing stimulus money before the Dec. 31 deadline. If not, you, when you file your 2021 taxes in 2022 (even if you’re a ).
The IRS cutoff to send out the new stimulus checks is months away
Although the IRS and Treasury are sending stimulus checks now, the agencies have until Dec. 31, 2021, to complete distributing the third payments. That’s good news in the sense they aren’t facing a compressed deadline to send out all the checks, as they did with the second stimulus check in December, which only provided them a 17-day window to get the payments out. On the other hand, the nearly nine-month total delivery window also means some people may find themselves waiting, for a variety of reasons. We’ll have to wait and see how the IRS deals with any fringe issues that arise.
There are other stimulus payment details these groups should know
Stimulus checks aren’t necessarily a one-size-fits-all situation. Here are additional guides for:
And here’s everything you need to know about the, and every way the .
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