for are coming as part of . In fact, over 90 million payments have gone out through and 150,000 paper checks have been processed and sent on their way, the IRS said Wednesday. (Here’s how to or .)
But tens of millions more payments are yet to come — including for people receivingand stimulus checks for — and that could take weeks. In some cases, it may take months for some people to receive their stimulus check total, especially if the IRS uses your to , and you wind up needing to claim the rest later in 2021 or even 2022. (P.S. Here’s how you .)
The delivery date of your stimulus finds might also be affected because there are. For example, if you’re in a , if you’re an , a an income tax , someone in a or someone who , there are few things that may delay your money. We go over what to know (and also what we know so far with a potential ). This story is frequently updated.
When will my third stimulus check arrive?
For the last week, the IRS and the US Treasury have been making electronic transfers to bank accounts — worth up to $242 billion inpayments to bank accounts, the IRS said March 17. In addition, the Treasury said it sent out 150,000 paper checks, worth approximately $442 million.
Additional batches and payments will go out through all three payment methods: direct deposit, a paper check or an. The dates below are just the beginning. It may still take days or weeks for a payment 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 possible|
|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 do I track my 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 .
Does my payment group affect my delivery date?
Yes. The IRS identifies three payment groups based on how your money is sent:
- : 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 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.
- 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 .)
Will the IRS use my 2019 or 2020 tax return to determine my payment 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 . (Learn more about some of the .)
If I get a partial check, when can I claim the rest of my money?
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 ).
How long will the IRS send out the new stimulus payments?
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.
What other stimulus check details should I 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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