Thethe on Saturday, setting into motion a definitive course for a . Although the bill isn’t law yet (the House will have to vote on the amended bill again before President Joe Biden can sign it), it does put the check on track for official approval before March 14. In fact, the bill could pass the House for the final time as soon as Tuesday, House Majority Leader Steny Hoyer said in a statement Saturday.
The, which means fewer people will be than originally thought. These changes could affect not just the , but also when your payment would come — especially if the IRS needs to sort out your situation based on the latest taxes it has on file. Seeing as we’re in the middle of tax season, using for millions of people, including .
There’s also the question of which stimulus payment priority group you’re in — and, you may not get a choice if your check arrives in the first wave or one of the last. Some people may also find they have to wait months to receive all their , if any problems arise, including from the 2019/2020 tax confusion. We’ll explain more below. Meanwhile, here are major differences between the , and all the . This story updates often.
Update: Potential dates you could get a stimulus check
March 14 is the Democrats’ internal deadline to pass the final version of the, to coincide with the expiration date for . Though the timeline is on track, thanks to extremely long hours of Senate debate, we include two potential dates that Biden could sign the bill, an action that could potentially affect when the IRS could ready new payments.
We include when the first payments could go out according to main delivery methods:first, followed by and . The payment schedule below reflects our best guesses, based off the IRS’ timeline for the $600 stimulus check. It could take weeks for the IRS to process every group’s funds, so consider the possible dates below as just a starting point. Any complication could delay your payment.
When could the next stimulus check possibly arrive?
|Stimulus check passes Congress||Tuesday, March 9||Tuesday, March 9|
|Stimulus bill signed into law||Wednesday, March 10||Friday, March 12|
|First direct deposit check sent||Week of March 17||Week of March 22|
|First paper checks sent||Week of March 24||Week of March 29|
|First EIP cards sent||Week of March 31||Week of April 5|
|IRS deadline to finish sending checks||Dec. 31, 2021||Dec. 31, 2021|
|Claims for missing stimulus money open||Likely 2022||Likely 2022|
What are the payment group priorities?
What we learned from the first two checks is that how you get your stimulus money often dictates when you get it.
- : Typically got their stimulus money in the first wave. But both times there were issues involving deposits going to temporary accounts that were rejected by banks. In some cases, these people got paper checks or EIP cards instead, or had to wait for the issue to resolve.
- Paper checks: This is the payment type the IRS sent out second. This method can take weeks to arrive by mail, but the check can be deposited or cashed right away.
- : This payment type arrives as a prepaid debit card you must activate online to use. The IRS issued EIP cards last, delaying receipt for this recipient group by weeks.
Could your payment group change?
Yes. With the second stimulus checks, the IRS told CNET in January that some people who received a physical check or EIP card the first time may have been paid by the other method the second time around. And, anecdotally, we learned of people who received direct deposit payments the first time finally getting an EIP card in the mail — and not an electronic bank transfer — weeks after the IRS tool said the payment was issued.
While you won’t have the final say in how you get your payment, we recommend signing up forwhen you submit your , if you . If you already have an account, make sure your details are correct. We also suggest you try to . While you can (you’d still have to pay taxes owed now) whether that will help or hurt you may get a little complicated.
The other payment groups loosely defined (by us) include Social Security beneficiaries who received payments a different way the first time if they’re part of the, and people with more complex scenarios that could lead to potential . People in different are one example we’ve seen, as are and people with .
Will the IRS have another cutoff date for sending the stimulus checks? We think we know what it is
The Jan. 15 deadline for the second stimulus check approved in December was written into the text of the bill without explanation. Anyone who didn’t receive all or part of their second payment must claim it as part of the IRS’to get the funds owed — even if they have .
The latest Senate form of the bill (PDF) would give the IRS a Dec. 31, 2021 cutoff to complete sending out the third stimulus checks.
How could tax season affect stimulus check delivery dates?
Since ais likely to drop in the (taxes are ), the IRS may have to based on the most recent tax filing it has. That would be your , or 2019 taxes if the check is ready before your tax return is. This could also . (Learn more about some of the .)
If you’re owed money, you, until you file your 2021 taxes in 2022, according to the latest proposal (PDF) under consideration. Filing for a in a way that could be different if the itself (we haven’t heard anything more about this).
By mid-March, tens of millions of Americans may have already received their tax refunds, which could make it tricky for the IRS to straighten out problems or redact refunds after issuing.
Tips that could help get you a stimulus check faster
There may be, assuming the stimulus bill is approved. For example, signing up for with your 2020 tax return would put you in the priority category for a third stimulus payment.
If you’ve. Here are our other suggestions for how people can make it more likely they’ll . Note that there could be some that may not apply to a possible third stimulus check.
Additional stimulus check details for these 6 groups
Stimulus checks aren’t necessarily a one-size-fits-all situation. Here are our guides for:
Here’s, including what to do if you ran into problems with .