A second stimulus check is expected to pass, but the payment schedule is still unknown. We break down some likely scenarios.
Sarah Tew/CNET
With only days left until the Aug. 7 deadline, the White House and Democratic negotiators have yet to reach an agreement on the next stimulus package. The two sides continue to remain in conflict over some parts of the new bill, but both parties agree there’s a need for a second stimulus check. When it does happen, and there’s renewed hope after Tuesday negotiations, Treasury Secretary Steven Mnuchin said the next round of stimulus checks could go out much quicker this time.
“If I could get [the next stimulus bill] passed tomorrow, I could start printing them the following week,” Mnuchin said Aug. 2. “I could have them out immediately.” The IRS began sending the first stimulus checks 19 days after the CARES Act became law.
While the two sides are hoping to reach a decision by Aug. 7, the Senate’s last day before a scheduled month-long recess, there’s still some doubt this could happen, which could spur the House of Representatives and Senate to delay their respective August recesses until a bill passes.
“[Senate Majority leader Mitch McConnell] is not in the room negotiating, because the Republicans can’t even articulate a coherent position.” Senate Minority Leader Chuck Schumer said Tuesday during a news conference.
But when and if the two sides do reach agreement on the bill, we have a good idea when the checks could arrive and who could get them first. Read on for all we know right now, based on the current negotiations. This story is updated frequently.
How soon the next stimulus checks could be sent from the IRS
There are several scenarios that could play out. A bill could pass by Aug. 7. It could pass after Aug. 7 if the House and Senate extend the length of their current session or — and this appears far less likely — Congress could adjourn this Friday with no resolution and wait until the start of the new session on Sept. 8 to pick up the topic again.
Whenever it does pass, Mnuchin’s promise of sending the first checks a week later gives us a new timeline to work from in forecasting when the first people could get their checks. For reference, we also include the dates followed by the CARES Act.
Keep reading for who could get their payment first.
When could the second stimulus checks go out?
| Date passed by Senate | Date passed by House | Date signed | First checks sent | |
| Original CARES Act | March 25 | March 26 | March 27 | April 15 |
| Proposal date | Negotiations begin | Negotiation time before deadline | Proposed deadline to pass a bill | |
| HEALS Act | July 27 | July 27 | 7 to 9 days | Aug. 7 |
| If Senate passes | If House passes | If President signs | First checks could be sent | |
| Final negotiated bill | Aug. 6 | Aug. 7 | Aug. 10 | Week of Aug. 17 |
| Sept. 8 | Sept. 9 | Sept. 10 or Sept. 11 | Week of Sept. 21 |
Who could get their stimulus check first?
It’s likely the IRS would use about the same calculations and tools for sending out the second stimulus check as it did for the first one, including the IRS Get My Payment tool for tracking your stimulus check payment and signing up for direct deposit.
The IRS sent the first batch of stimulus checks to people who had filed 2018 or 2019 tax returns and had already provided the IRS with their direct deposit information, according to the House Committee on Ways & Means. Following that model, the next stimulus payment could first reach people who have already registered for direct deposit, either as part of their 2019 tax filing or before.
The next group were social security beneficiaries who had direct deposit information on file with federal agencies. (About 80 million people got their checks through direct deposit in the first week they were disbursed, according to the IRS.)
Paper checks didn’t start getting mailed out until about a week later, to people who had not signed up for direct deposit, but you could still register for the electronic bank transfer as late as May 13. The first Economic Impact Payment debit cards, which are prepaid, were sent in mid-May to about 4 million people.
Another check for up to $1,200 could find its way into your mailbox.
Sarah Tew/CNET
Why your stimulus check could later than other people’s
We won’t know for sure until a new bill is passed and the IRS forms a plan to send out checks, but here are points to consider.
Changes to aid for dependents: This depends on which version of the bill passes. The CARES Act allotted $500 for dependents age 16 and under. The Republican-backed HEALS Act also allocates $500 for dependents, of any age. But the Democrat-backed HEROES Act suggests $1,200 for a maximum of three dependents. If a change is made, even if it ultimately leads to more money being sent, it could require the IRS to adjust its accounting system, which could potentially slow things down for you.
Banking status: With the first checks, people who didn’t submit direct deposit information to the IRS had to wait longer to receive the stimulus money through the mail. As of June, 120 million people received the stimulus money through direct deposit, 35 million through a check in the mail, and 4 million through a prepaid debit card. The IRS has not provided an update on how many people received a stimulus check by August 1.
Watch this:
Stimulus standoff on Capitol Hill
1:21
Banking status has affected payment speed since the CARES Act passed, disproportionately impacting Black people and people of color, according to an analysis (PDF) by think tank Urban Institute. People who are white and whose incomes were above the poverty line were more likely to have received their first stimulus check by the end of May than people who are Black, Hispanic or below the poverty line, the analysis found.
People who did not make enough money to be required to file federal income tax returns in 2018 or 2019 also would not get a stimulus check unless they submitted a form to the IRS, according to a report from the Center on Budget and Policy Priorities. This group includes low-income families with children and a far greater number of Black people and people of color.
When’s the last date you could get the new stimulus check?
Once again, the schedule for the first stimulus checks can provide a potential roadmap, though there’s no official news until another rescue package is finalized.
The IRS will have sent about 200 million checks by the time it’s done distributing the first raft of payments. (The total US population is over 330 million people, according to the Census Bureau.)
The majority of those were sent by the beginning of June, though the IRS said it will continue to send payments through the end of the year.
US workers are experiencing a staggeringly high unemployment rate.
Angela Lang/CNET
How you can get more help
If you’re still waiting on the first round of coronavirus payments, you can track the status of your stimulus check, learn how to report your no-show check to the IRS and find possible reasons why your stimulus check still hasn’t arrived.
Here are even more resources about coronavirus hardship loans and unemployment insurance, what you can do if you’ve lost your job, what to know about evictions and late car payments, if you could receive two refund checks from the IRS and how to take control of your budget.
Julie Snyder contributed to this report.