Why haven’t I got my third stimulus check yet? 9 potential payment problems and what to do

If it looks like you’re not in the group of 30 million individuals scheduled to receive their third stimulus checks starting this weekend into next week, you’re probably growing increasingly worried that there’s a holdup with your $1,400 payment. If you’ve checked the IRS payment tracker tool and it says your stimulus check was slated to arrived days ago, or you received a smaller stimulus payment than you expected, or it doesn’t arrive at all, there’s likely something else going on.

If you anticipate your payment arriving as a direct deposit, March 24 was the cutoff for many for that payment method — if you receive SSI, SSDI or veteran’s benefits, you’re an exception. For most everyone else, the stimulus money will be arriving in the mail as a paper check or an EIP debit card (you can track with the USPS). Also, each group has its own eligibility rules — so if you’re an older adult, a younger adult or a nonfiler, brush up on those details. If you had a baby, claim newly qualified dependents or are part of a mixed-citizenship status family, that could make a difference, too, especially as checks going out during tax season complicates the calculation process. 

We’ll tell you some reasons why your third stimulus payment is likely being held up, and how to report a problem with your check (the IRS doesn’t want you to call). We also have guides on how to claim a missing payment and what we’ve heard so far about a fourth stimulus check. Here are all the ways you could get more money back on your taxes this year, and how eligible families with kids could get a child tax credit for up to $3,600 per qualified child. This story has been updated.

Your stimulus payment wasn’t sent to the right bank account

The problem: You signed up for direct deposit, but your check didn’t arrive. Why? It’s possible that your stimulus payment went to the wrong bank account. Maybe your account was closed, or an electronic transfer attempt was made for a temporary bank account, like one used on behalf of millions of people who used a tax preparer like Jackson Hewitt, TurboTax and H&R Block. Although this latter issue hasn’t been widely reported, it affected the first and second payments. 

What to do: Reach out to your bank or tax preparer to see if an attempt was made to deposit money to your account. Ask if they have an internal protocol to file a report or follow up with a representative who can help.

What next? If you don’t get a direct deposit by March 24 (the official date), then your stimulus payment will most likely arrive in the mail. Here’s how to track the payment to your mailbox. The IRS is not allowing individuals to register for new direct deposit accounts or correct inaccuracies. If your third stimulus check never arrives, here are all the ways you can try to resolve the issue.

Did you add your direct deposit account info when you filed your 2020 taxes?

The problem: You filed your 2020 taxes and signed up for direct deposit for the first time or corrected your banking information, but the IRS didn’t transfer stimulus funds into your account by March 24.

Why? It may be that the IRS didn’t process your tax return and information before it sent your third stimulus payment.

What now? Track your 2020 tax return to see what your status is. If your direct deposit doesn’t trickle in a few days past the March 24 due date, you’ll want to keep an eye on the mail for a paper check or EIP debit card. Also use the IRS check tracking tool to see when your stimulus payment is scheduled to send. 

The IRS doesn’t know your current address

The problem: You moved in 2020 and the IRS (and maybe USPS) doesn’t know your new address. Or, you were receiving Social Security benefits on a Direct Express card (PDF), recently closed your account and the IRS doesn’t have your correct address to reissue the payment as a paper check or EIP debit card.

Why it matters: If you got direct deposit but you need to claim additional stimulus make-up money later and you didn’t get the confirmation letter the IRS sends to recipients, you’ll have to jump through more hoops later on. Or, if you’re waiting for your stimulus check in the mail, you might have to keep waiting, if there’s an issue with forwarding. Similarly, if you closed a Direct Express account and the IRS doesn’t have your current address, it won’t know how to route your payment.

What next? If you think you’re getting a mailed payment, let the IRS and USPS know ASAP what your new mailing address is. If your check won’t be processed right away, you may have enough time. Otherwise, you may need to file for a catch-up payment later in 2021 or even a year from now during tax season in 2022.

USPS delays are blocking your check from being delivered

The problem: The IRS is currently sending the third round of payments through electronic transfer and in the mail. But a delay in the postal service could cause some payments to lag.

What to do: Your best bet is to track your payment online with the IRS and sign up for Informed Delivery with the USPS. This free service scans your mail and lets you track when each envelope or package is delivered. Make sure you know what the paper check or EIP debit card looks like so you don’t accidentally throw it away.

What next? If your check doesn’t arrive after a few weeks, you may want to brush up on your options alerting the IRS. Unlike with the first check, the agency is not welcoming phone calls, but you have some moves, including filing a payment trace.

You got some — but not all — of your stimulus payment

The problem: You received a stimulus check, but the math doesn’t seem to work out. Are you missing money? It might be that the IRS owes you more money based on your 2020 tax return (including your AGI) but paid you based on 2019 or the latest information it had. Maybe the agency didn’t know about a new dependent, or there was a calculation error.

What to do: Use our stimulus calculator to estimate how much money you might be owed. The IRS tracking tool doesn’t provide that level of information, but the letter the IRS sends you does. The IRS said it’s making supplemental payments to people who’ve received payments based on their 2019 tax returns but are eligible for a new or larger payment based on their recently processed 2020 tax returns. These “plus-up” payments could include a situation where a person’s income dropped in 2020 compared with 2019, or a person had a new child or dependent on their 2020 tax return, and other situations, the IRS said.

What next? First, keep the IRS letter for your tax records. You’ll need it later. Next, if there’s a difference between the amount you think you should get and the total you did get, it might mean you’ll be able to claim more stimulus money in 2021 or 2022. If the IRS thinks it sent you your total, but you didn’t get a check at all, you may need to file for a payment trace.

Your payment could’ve been seized

The problem: Could it be your money was garnished by private debt collectors? The first check was susceptible to seizure of many varieties, including if you owed past-due child support payments. The latter wasn’t true for the second payment, except in cases where recipients didn’t get a check and need to claim a Recovery Rebate Credit on their taxes. For the third check, private debt collectors are able to confiscate your stimulus payment.

What to do: If you think there’s been a seizure or a mistake, you’ll need to start by reaching out to your bank or credit union. You may have a small window of time to put a hold on the seizure.

You might’ve accidentally tossed the envelope containing your payment

The problem: With the first payment, some people reported accidentally throwing out the envelope containing their check, not recognizing that it contained a stimulus payment. 

What to watch for: Pay attention to the mail and don’t assume it’s all junk. We recommend tracking your USPS letters for a heads up on what’s being delivered. For a paper check, watch for a white envelope sent from the U.S. Department of the Treasury. The memo field will read “Economic Impact Payment.” 

A prepaid EIP debit card will come in a white envelope with a seal of the U.S. Department of the Treasury. Once you open the envelope, the card itself will say Visa on the front and haveMetaBank, N.A., the name of the bank, on the back. The envelope will include details on how to activate the Economic Impact Payment.

What next? You can cash the check right away, but the 5 million EIP card recipients will need to activate the card first. The checks will expire after a year.

You could’ve been scammed out of your payment

The problem: You think someone swiped your stimulus check, or stole personal and sensitive information while posing as a government agency contacting you about your direct payment.

What to do: We have a guide for how to guard against and report these attacks. Remember that the IRS is sending a confirmation letter to let you know that it sent you a check and for how much.

You aren’t eligible to receive the third stimulus check

The problem: New income limits to your AGI mean that some people who qualified to get the first two payments aren’t eligible to receive the third check. If you get a stimulus check for 2019 for more money than you’re eligible to receive for your 2020 taxes, you don’t need to return the money (in most cases). If your 2020 taxes mean you qualify for more money than you get, you’ll be able to claim a make-up payment.

What to do: Brush up on the stimulus check requirements, including by calculating your stimulus check total. Then, compare this figure to what you actually receive. A new change this time around means that if your income is over the limit, you won’t get a partial check — no matter how many dependents you have.

As you try to discover the status of your stimulus check, here’s what we know about who qualifies, how much you could expect and every tax break or payment you could get in the stimulus bill.