The sprint to sendof up to and is officially over. A Jan. 15 deadline for the Treasury and IRS to automatically deliver checks to tens of millions of Americans, which was written into the text of , means the agencies can by law no longer or into bank accounts.
If you’re one of the millions of people who got caught in the officially begun until Feb. 12., or who otherwise didn’t get a or in the mail, what now? Does it mean you’re simply out of luck? Thankfully not. But could get tricky. The IRS’ backup plan is now tightly bound to tax season — which won’t
We’ll explain everything you need to know, including three options to help trace your stimulus money, a calculator to make sure you can, and what we know about how filing a with can dramatically slow down the arrival of your already-tardy stimulus claim — that includes any . (P.S. Here’s what to know about a .)
Your check or EIP card could still arrive in the mail next week, so track that first
The IRS and Treasury sent physical checks at a much faster clip than the first time around, but it isn’t clear how many remain undelivered. Since the USPS may need a few days to sort and deliver your physical check or, it may be possible you’ll receive it over the next few days, if the Treasury and IRS sent out a batch in the final hours before the Jan. 15 deadline.
However, we also know that with the first check, the US Treasury processed between 5 million and 7 million paper stimulus checks a week in addition to checks for other federal programs, according to a Government Accountability Office report from June. Given the 17 day window the IRS and Treasury have had to ship out payments, it seems inevitable that not everyone’s would’ve posted before the deadline.
The first thing you should do is use the. It’ll give you a general payment schedule, the total amount you should expect to receive, and flag any problems you may need to look into — like or if the tool says the stimulus money was .
Then, if the IRS Get My Payment tool says it’s coming, use this free USPS service to.
It’s too late for direct deposit now, but there are some things you need to know
The IRS has said it sent 100 million stimulus checks through this time around, a payment method that allows the agency to process many more payments faster. However, the IRS’ tracking tool didn’t let people sign up for or change their direct deposit information this time around. And some people reported problems with checks being sent to the wrong bank account, which means millions haven’t been able to receive their stimulus payments that way.
If the IRS doesn’t already have your banking information, you’ll have no choice but to. If there’s a problem with your payment, you’ll (more below.) If you didn’t get your second stimulus check this way, but want to receive a through direct deposit, you’ll want to register with the IRS on your .
You can set up a payment trace with the IRS for your check
Another way to track your missing stimulus check is through a payment trace. This gets a bit complicated, but we have a guide to. There are several scenarios that could apply to you, but it boils down to the IRS saying it sent a stimulus check you never received.
You can’t claim your missing money until Feb. 12 at the earliest
Here’s the bad news. If you’re missing either a whole or partial stimulus check — we recommend using theand to get an estimate — you’ll need to use the as part of 2020 Tax Season to claim the money. Any credit would either offset the amount you owe, or get bundled into your .
The longer you wait to file your taxes, the longer you wait for your stimulus money
After the cutoff, the timing of your stimulus check delivery is now inextricably linked to your taxes. Feb. 12 is the first day you can file your taxes, including theto get your errant second stimulus payment, but you’ll have until April 15 to file taxes, and some people may beyond that.
How soon you submit your taxes for 2020 could have a direct effect on how quickly the IRS will be able to process your return. People who file their returns in February would likely receive their stimulus check credit months before people who wait until the April 15 deadline or longer.
If you moved, you have to tell the IRS and USPS, too
If you’ve recentlyso you can get any stimulus money owed to you (and a third stimulus check, too). You’ll also need your updated address on file so you can receive your confirmation letter from the IRS (you’ll need this if you have to file a claim.)
The IRS really doesn’t want to take your phone call
Sorry, it’s true. In May 2020, the IRS hired 3,500 telephone operators to help field incoming calls about the first stimulus check. Now its website implores you not to call.
“Please do not call the IRS about the new payment; our phone assistors do not have additional information beyond what’s available here on IRS.gov and in the Get My Payment application,” the IRS website says.
Here’s what the agency, including initiating a payment trace (see above).
What if you receive Social Security benefits, are an older adult, don’t file taxes, are incarcerated or are in a child support scenario?
There may be some specific scenarios that have different specific rules or exceptions. We’re trying to find answers with the IRS, but until then, here’s what we know about stimulus check money in general for:
For more information, here are the, here’s how a might happen, all the and how to .