Where’s your stimulus check? 10 reasons it’s late and what you can

Perhaps your payment’s lost in the mail. Someone could have taken it from your mailbox. Maybe the IRS skipped you. You could even be scheduled much, much later this year. Whatever the reason, if your stimulus check still hasn’t arrived in the mail or your bank account, you’re far from alone. Earlier this month, Congress estimated that roughly 35 million Americans (PDF) who meet the requirements for a coronavirus payment from the IRS had yet to receive them.

So why don’t you have it yet? We’ve uncovered some issues that could cause a delay, some common, some not. Where we can, we also suggest actions you can take to find more information, including how to contact the IRS if you think your stimulus payment will never come.

You might also decide to sign up for a free program from the US Postal Service that can help you find out which day your check will arrive and what it’ll look like when it does. And here’s the latest update on a second stimulus check and how much money it could bring. This story updates often.

You won’t get a stimulus check if you aren’t eligible

Just to triple-check, you’re eligible if you’re:

• Are a single US resident and have an adjusted gross income less than $99,000.
• File as the head of a household and earn under $146,500.
• File jointly without children and earn less than $198,000.
• The parent of a child aged 16 or younger.

For more details and exceptions, consult our stimulus payment guide.

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The IRS has scheduled your payment for later in the year

While the IRS had sent out 159 million payments as of June 3, it still has more to go. In April, the IRS estimated (PDF) it could take up to 20 weeks to send every payment out and it is prioritizing the payment schedule by sending checks to those with lowest incomes first. Depending on your adjusted gross income, you may have weeks and possibly several months to wait, according to the IRS plan.

The IRS started processing your paper check before you submitted your direct deposit information

If the IRS was already preparing to mail your paper check when you provided your banking information online, you’ll still receive your check in the mail. The IRS said it can typically take up to 14 days to receive the payment in this situation.

The banking information the IRS has for you is out of date or no longer valid

The IRS said it’s using banking information from your 2018 or 2019 tax return to send your payment. Some tax preparers, however, set up temporary accounts for their clients to receive their returns, such as to a prepaid debit card. If this is the information the IRS has for you, the agency said the payment will be returned and reprocessed. 

If for whatever reason, the banking information the IRS has for you is not valid, the agency says it will mail your check. The IRS said to check its Get My Payment tool for updates. If the post office returns the mailed check as well, you need to give the IRS your current mailing address or bank account.

Read more: Best tax software for 2020

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The IRS was waiting for your banking info before sending your check

The IRS made a big push to get everyone who was eligible for a check signed up for direct deposit by May 13. The benefit of direct deposit, the IRS said, was you’d get your check quicker than through the mail. Now that the deadline has passed, the IRS said it will start sending paper checks and debit cards to those it doesn’t have banking information for through June.

Your bank had trouble processing the direct deposit

If your bank couldn’t process the electronic money transfer from the IRS, the payment was returned and the IRS is now mailing your check to the most current address it has on file, either from a 2019 or 2018 tax return or one from the Postal Service.

A claimed dependent is not eligible for a payment

Parents who are not married to each other and do not file a joint return cannot claim a qualifying child as a dependent. The parent who claimed their child on their 2019 return may receive the payment. Likewise, dependent college students do not qualify for a payment.

You owe child support

If you are past-due on child support, the IRS said your payment may be reduced or completely deducted. If that happens, the Bureau of the Fiscal Service will send you a notice.

You may have been scammed

The FBI warns that scammers are looking to steal your stimulus check. We have a guide for how to guard against these attacks. If you receive a letter from the IRS notifying you that the agency has already sent your money — with details on whether it came through the mail or straight to your bank — but you didn’t get the payment, the letter includes information on how to report that the money didn’t arrive.

You need to file a nonfilers form

If you are eligible for a payment but because of low income didn’t need to file a tax return for 2018 or 2019, you may need to use the IRS’ nonfilers tool to give the agency your information. If you think that is you, head to the IRS’ website, check the requirements and then provide some basic information to get your stimulus check.

To assist you with potential problems regarding your payment, the IRS added 3,500 telephone representatives to help navigate common issues. The representatives won’t be able to help with specific problems with your payment, however.

As you try to discover the status of your stimulus check, here’s what we know about how to contact the IRS if you think your check is a no-show, the latest with a second round of stimulus checks and how best to use your stimulus check when it comes.