Third stimulus check update: Latest timeline for $1,400 payments in bank accounts (2023)

Tens of millions of stimulus checks should be available in bank accounts starting Wednesday, March 17. Here's the latest timeline on when you might see the money.

WASHINGTON — The Internal Revenue Service has started processing and sending out stimulus checks for millions of Americans after President Joe Biden signed the $1.9 trillion coronavirus relief package.

But it could take some time before individuals and families see the money, and in some cases, it may depend on what bank you have. Tens of millions of people should be receiving their stimulus checks on Wednesday, March 17, according to the American Bankers Association.

Biden pledged on Mondaythat there will be 100 million stimulus checks in people's pockets in the next 10 days. Just after the relief aid was signed by Biden last week, White House Press Secretary Jen Psaki said "payments to eligible Americans will continue throughout the course of the next several weeks."

The latest round of relief payments will provide households with $1,400 for each adult, child and adult dependent, such as college students or elderly relatives. Adult dependents were not eligible to receive payments in the previous two rounds of payments.

The payments start declining for an individual once adjusted gross income exceeds $75,000 and go to zero once income hits $80,000. The payment starts declining for married couples when income exceeds $150,000 and goes to zero at $160,000.

Over the weekend, the IRS re-launched the “Get My Payment” tool on the website to help Americas track their own payments.

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'Payment status not available'

If you are getting "Payment Status Not Available" from the IRS stimulus check tracker -- don't be alarmed.

According to the IRS, if you receive that message it can mean one of three things:

  • You are not eligible for the payment.
  • The payment has yet to be processed
  • The IRS doesn't have enough information to issue the payment to you

The agency said it will continue to issue the 2021 Economic Impact Payments throughout 2021.

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NOTE: The IRS has asked the public NOT to call them to ask questions. All of the information about the stimulus checks are listed on theIRS website.

Payments arriving March 17?

Your bank account may show there is a pending payment for your stimulus check and it will stay that way until Wednesday, March 17.

Why? When the IRS first announced last Friday that payments were starting, it noted that the "official payment date" would be March 17 and some "may see the direct deposit payments as pending or as provisional payments in their accounts" before then.

Nine banking and credit union groups issued a statement Tuesday to further explain that the funds coming from the IRS won't be available to them until March 17, 2021. That means that the payments also won't be available to customers until then too.

"The IRS recently sent an initial wave of tens of millions of economic impact payments via the Automated Clearing House (ACH) system," the statement said. "While the IRS could have chosen to send the funds via Same Day ACH or provided for an earlier effective date, it chose not to do so. It is up to the sender, in this case the IRS, to decide when it wants the money to be made available and the IRS chose March 17.”

Still eager to know when you're getting your stimulus check? Use the “Get My Payment” portal on the IRS website.

Am I eligible for the third stimulus check?

The American Rescue Plan provides households with $1,400 for each adult, child and adult dependent, such as college students or elderly relatives.

The payments start declining for an individual once adjusted gross income exceeds $75,000 and go to zero once income hits $80,000. The payment starts declining for married couples when income exceeds $150,000 and goes to zero at $160,000.

A qualifying family of four would receive $5,600.

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Do college students, adult dependents get the third stimulus check?

Unlike the first and second rounds of checks, payments for dependents in the third round are not restricted to only children under 17.

According to the IRS website:"Eligible families will get a payment based on all of their qualifying dependents claimed on their return, including older relatives like college students, adults with disabilities, parents and grandparents."

Now it's important to note that if you're a dependent, the check won't go to you, it'll go to whoever claims you as a dependent.

When will SSI get their third stimulus check?

A date has yet to be set for when those receiving Social Security and other federal beneficiaries will get their money. Though the IRS has said those recipients will generally receive the third payment the same way as their regular benefits.

The IRS said if someone did not file a tax return and they receive SSA, RRB, SSI or VA benefits and their benefits are currently deposited to a Direct Express card, then the 2021 Economic Impact Payment will be deposited to that card.

How does the IRS know who gets a check?

The White House created a website to give an overview of what the American people need to know about the direct payments in the American Rescue Plan. Here's how it said checks are determined:

  • For households who have already filed their income tax return for 2020, the IRS will use that information to determine eligibility and size of payments.
  • For households that haven’t yet filed for 2020, the IRS will review records from 2019 to determine eligibility and size of payment. That includes those who used the “non-filer portal” for previous rounds of payments.
  • For tax returns with direct deposit or bank account information, the IRS will be able to send money electronically. For those households for which Treasury cannot determine a bank account, paper checks or debit cards will be sent.

How to track your check?

The IRS claims that the first batch of payments will be sent via direct deposit.

The agency added that additional batches of payments will be sent in the coming weeks by direct deposit and through the mail as a check or debit card.

RELATED: The IRS 'Get My Payment' portal tells you your stimulus payment status

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Can the $1,400 checks be seized by banks or creditors?

It depends on the type of debt that you have and who would be attempting to collect it. Like the previous rounds of stimulus checks, this aid can NOT be garnished by the federal government or the IRS. But it could be potentially garnished from private companies.

RELATED: VERIFY: Can your stimulus check be seized by banks or private debt collectors?

Will I have an issue getting my check with TurboTax again?

TurboTax customers ran into some problems initially receiving their second $600 stimulus checks in late December 2020 and early January 2021 after the tax preparation service deposited the money into accounts customers didn't recognize.

On Monday, TurboTax released a statement promising that all issues have been corrected for the third round of checks, which could be arriving any day.

"We are working closely with the IRS, and we’ve confirmed that the IRS has accurate bank account information for all TurboTax customers," TurboTax said in a tweet last week.

The IRS has begun processing stimulus checks. We are working closely with the IRS, and we’ve confirmed that the IRS has accurate bank account information for all TurboTax customers. You can find up-to-date information on stimulus payments, here.

— Intuit TurboTax (@turbotax) March 12, 2021

What if I didn't get the first and second stimulus payments?

The IRS said anyone who was eligible to get the first or second stimulus payments but didn't, needs to claim a 2020 Recovery Rebate Credit and file a 2020 tax return. Even if someone isn't required to file? The IRS says yes.

However, the IRS said that the third payment of $1,400 will not be used to calculate the 2020 Recovery Rebate Credit.

Why $1,400 checks and not $2,000?

Biden's plan called for $1,400 checks for most Americans, which on top of the $600 provided in the Dec. 2020 relief plan would bring the total to the $2,000 that Biden called for.

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This calculator can help determine how much you can expect from the third stimulus check.

What else is in the COVID-19 relief package?

Expanded unemployment benefits from the federal government are extended through Sept. 6 at $300 a week. That’s on top of what beneficiaries are getting through their state unemployment insurance program. The first $10,200 of jobless benefits would be non-taxable for households with incomes under $150,000.

Additionally, the measures provide a 100% subsidy of COBRA health insurance premiums to ensure that the laid-off workers can remain on their employer health plans at no cost through the end of September.

The legislation also sends $350 billion to state and local governments and tribal governments for costs incurred up until the end of 2024. The bill also requires that small states get at least the amount they received under virus legislation that Congress passed last March.

Many communities have taken hits to their tax base during the pandemic, but the impact varies from state to state and from town to town. Critics say the funding is not appropriately targeted and is far more than necessary with billions of dollars allocated last spring to states and communities still unspent.

The relief package calls for about $130 billion in additional help to schools for students in kindergarten through 12th grade. The money would be used to reduce class sizes and modify classrooms to enhance social distancing, install ventilation systems and purchase personal protective equipment. The money could also be used to increase the hiring of nurses and counselors and to provide summer school.

Spending for colleges and universities ar being boosted by about $40 billion, with the money used to defray an institution’s pandemic-related expenses and to provide emergency aid to students to cover expenses such as food and housing and computer equipment.

A new program for restaurants and bars hurt by the pandemic would receive $25 billion. The grants provide up to $10 million per company with a limit of $5 million per physical location. The grants can be used to cover payroll, rent, utilities and other operational expenses.

The bill also provides $7.25 billion for the Paycheck Protection Program, a tiny fraction of what was allocated in previous legislation. The bill also allows more non-profits to apply for loans that are designed to help borrowers meet their payroll and operating costs and can potentially be forgiven.

The bill provides $46 billion to expand federal, state and local testing for COVID-19 and to enhance contract tracing capabilities with new investments to expand laboratory capacity and set up mobile testing units. It also contains about $14 billion to speed up the distribution and administration of COVID-19 vaccines across the country.

Parts of the legislation advance longstanding Democratic priorities like increasing coverage under the Obama-era Affordable Care Act. Financial assistance for ACA premiums would become considerably more generous and a greater number of solid middle-class households would qualify. Though the sweetened subsidies last only through the end of 2022, they will lower the cost of coverage and are expected to boost the number of people enrolled.

The measure also dangles more money in front of a dozen states, mainly in the South, that have not yet taken up the Medicaid expansion that is available under the ACA to cover more low-income adults. Whether such a sweetener would be enough to start wearing down longstanding Republican opposition to Medicaid expansion is uncertain.

Under previous law, most taxpayers could reduce their federal income tax bill by up to $2,000 per child. In a significant change, the measure increases the tax break to $3,000 for every child age 6 to 17 and $3,600 for every child under the age of 6.

The legislation also calls for the payments to be delivered monthly instead of in a lump sum. If the secretary of the Treasury determines that isn’t feasible, then the payments are to be made as frequently as possible.

Families would get the full credit regardless of how little they make in a year, leading to criticism that the changes would serve as a disincentive to work. Add in the $1,400 checks and other items in the proposal, and the legislation would reduce the number of children living in poverty by more than half, according to the Center on Poverty and Social Policy at Columbia University.

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The bill also significantly expands the Earned Income Tax Credit for 2021 by making it available to people without children. The credit for low and moderate-income adults would be worth $543 to $1,502, depending on income and filing status.

The bill provides about $30 billion to help low-income households and the unemployed afford rent and utilities, and to assist the homeless with vouchers and other support. States and tribes would receive an additional $10 billion for homeowners who are struggling with mortgage payments because of the pandemic.

TEGNA and the Associated Press contributed to this report.


Are they still sending out 3rd stimulus payments? ›

If you did not receive your payment in 2021, you may be eligible to claim the 2021 Recovery Rebate Credit when you file your 2021 return. The IRS can no longer issue a third-round Economic Impact Payment because the statute required all payments to be made by December 31, 2021.

Where is my 1400 stimulus? ›

All $1,400 stimulus checks have been issued. Here's what to do if you didn't get one. All third-round stimulus checks have been sent out, the IRS announced Wednesday. If you haven't received all of the money you are eligible for, you will need to claim the Recovery Rebate Credit on your 2021 tax return.

When did I receive the 3rd stimulus payment? ›

The government started sending the third stimulus checks on March 12, 2021. The IRS continues to send third stimulus checks as people submit their information to the IRS either by filing a 2020 tax return or using The deadline to use is November 15, 2022.

How soon will we get the third stimulus check? ›

The IRS issued all the third-round stimulus checks by the end of 2021, but eligible people who didn't receive a check last year can still get stimulus money by filing a 2021 tax return now and claiming the recovery rebate credit.

Why have I not received a stimulus check 2022? ›

To claim your first and second stimulus checks, wait until the 2023 tax season begins to get help filing your 2020 tax return. If you only missed your third stimulus check, visit through November 15, 2022 to claim your tax credit.

Why haven't I received my inflation relief check? ›

If you haven't received your inflation relief yet, it may be because it's not your turn. The Franchise Tax Board is issuing payments in batches, starting with people who received Golden State Stimulus in 2021 and moving in alphabetical order.

How long does it take to get my 1400 stimulus check? ›

When to request an IRS payment trace
Method of paymentTime passed since IRS says it sent your payment
Direct deposit5 days
Check mailed to standard address4 weeks
Check mailed to a forwarded address6 weeks
Check mailed to a foreign address9 weeks
27 May 2021

How long does it take for a stimulus check to deposit? ›

Direct Deposit payments will generally be deposited 2 to 3 days after the IRS confirms income eligibility for the payout. Physical checks will take at least 6 to 8 weeks to be mailed out.

Why did I not get the 1400 stimulus check? ›

Since the IRS is no longer issuing the Economic Impact Payments, people who are missing a stimulus payment, or got less than the amount they're eligible for, will have to claim a Recovery Rebate Credit on their 2020 or 2021 federal tax returns, according to the Internal Revenue Service.

What time frame was the third stimulus check sent? ›

Third round of stimulus checks: March 2021

The third payment provided eligible individual taxpayers for a check of up to $1,400, while couples filing jointly could receive a maximum of $2,800.

When was Letter 6475 sent out? ›

The IRS began issuing Letter 6475, Economic Impact Payment (EIP) 3 End of Year, in January 2022. This letter helps EIP recipients determine if they're eligible to claim the Recovery Rebate Credit on their 2021 tax year returns.

Are we getting a stimulus check in July 2022? ›

State leaders say an estimated 23 million people qualify for the checks, which will be sent out between October 2022 and January 2023. The payment is only available to residents who have lived in California for at least 6 months in the 2020 tax year or who are living in the state by the time the check is issued.

Are we getting a stimulus check in August 2022? ›

This rebate was split into two equal payments, delivered in June and August 2022. The funds were sent automatically to taxpayers who filed a 2021 state return.

Is there a $1400 stimulus check coming in 2022? ›

NEW! The Internal Revenue Service announced Wednesday it has delivered all the payments from the third round of stimulus checks. There are still some people, however, who will be able to claim the money – including some that will receive the full $1,400 - in 2022.

How do I know if my third stimulus was sent? ›

Your Online Account: Securely access your individual IRS account online to view the total of your first, second and third Economic Impact Payment amounts under the “Economic Impact Payment Information” section on the Tax Records page. IRS EIP Notices: We mailed these notices to the address we have on file.

When should I expect my stimulus check 2022? ›

For people who receive a GSS payment by debit card (e.g., California didn't have your bank account information), the state will mail Middle-Class Tax Refund debit cards between October 24 and December 10, 2022. For others receiving debit card payments, expect your payment to be in the mail by January 15, 2023.

Why hasn't my stimulus check come yet? ›

If the bank says it hasn't received a payment, you can request a payment trace. To request a payment trace, call 800-919-9835 or fill out IRS Form 3911, Taxpayer Statement Regarding Refund.

Why are stimulus checks late this month? ›

Those who've already filed for 2020 may see a delay in their stimulus check because the IRS is reviewing your latest information to determine exactly how much you will receive. If you did not file taxes for 2019 or 2020, that may also delay your payment, even if you don't typically have to file a return.

Can you track your inflation relief check? ›

24. As the state continues to send out the direct payments, is there a way to track the progress of your check? The short answer is no, the Franchise Tax Board says.

When am I getting my inflation relief check? ›

California inflation relief direct deposits

The first round of direct deposits was completed on Oct. 25. The second round of direct deposits began Oct. 28. Qualifying taxpayers can expect to see their deposits in their accounts by Nov. 22, LePage said.

Can I still get my Covid stimulus check? ›

Thankfully though, it's not too late to get your missed stimulus payments. Depending on your circumstances, you can still file a 2021 tax return to find out if you're eligible to get your stimulus payment, the 2021 child tax credit, or the earned income tax credit.

Can I still get my 1400 stimulus check? ›

If you haven't gotten your $1,400 payment for yourself or your dependents — or got less than you qualify for — you will need to claim the 2021 Recovery Rebate Credit on your tax return. This is the final opportunity you will have to get your 2021 stimulus money, unless you file an amended 2021 tax return later on.

Can I track my 1400 stimulus check? ›

Use the IRS Get My Payment tool to track stimulus money

Generally, it should tell you when your check will be processed and how you'll receive it: for example, as a paper check in the mail.

Did not receive third stimulus check but IRS says I did? ›

To start a payment trace:

Call the IRS at 800-919-9835. Mail or fax a completed Form 3911 to the IRS.

What time do stimulus checks post to bank account? ›

When will direct deposit payments be available? "The Nacha Rules require the banks and credit unions to make the funds available to the account holders by 9:00 a.m. local time on the settlement date; again, in this case, March 17," NACHA said in a statement Monday.

What day of the week does the IRS deposit refunds 2022? ›

They now issue refunds every business day, Monday through Friday (except holidays). Due to changes in the IRS auditing system, they no longer release a full schedule as they did in previous years.

How do you find out when stimulus checks will be deposited? ›

Like the other two stimulus payments, you can track the status of yours using the IRS's Get My Payment tool. The tool is now live for the American Rescue Plan (ARP) payments. Those with direct deposit set up with the IRS will receive their payments first.

How can I find my letter 6475? ›

A: If you did not receive your Letter 6475, you can check Your IRS Online Account to securely access your individual IRS account information. The amount of your third Economic Impact Payment is shown on the Tax Records tab/page under the section “Economic Impact Payment Information”.

Will Social Security recipients get a stimulus check in 2022? ›

Social Security Retirees and Disability recipients who are eligible for the payment will get the stimulus checks/payments deposited the same way they currently get their payments.

Are senior citizens getting a stimulus check in 2022? ›

The maximum check is $841 in 2022 for eligible individuals for this federal program, which provides support to disabled, blind and elderly people who have little or no incomes. The average monthly benefit is $624.

What if I didnt receive letter 6475? ›

What if I never received Letter 6475 or lost it? If you never received a third stimulus check, the IRS didn't send you Letter 6475. If you were eligible and didn't get a payment in 2021, you can get those funds now by claiming the recovery rebate tax credit on your 2021 tax return.

Do you need letter 6475 to file taxes? ›

You will need it to prepare your 2021 federal tax return. Here's everything you need to know about these IRS information letters.

Did the IRS send out letters about the third stimulus check? ›

After each of the three Economic Impact Payments is issued, the IRS mails a letter – called a notice − to each recipient's last known address. This notice provides information about the amount of the payment, how the payment was made and how to report any payment that wasn't received.

Will Social Security recipients get a fourth stimulus check in 2022? ›

With inflation in America at an all-time high, seniors and others on a fixed income have been some of the hardest hit by the rising costs of groceries, utilities and fuel.

Are we getting a gas stimulus check in 2022? ›

"We expect about 90 percent of direct deposits will be issued in October 2022.

Will there be a state stimulus check in 2022? ›

Nearly 20 states approved stimulus payments in one form or another in 2022, and residents in a dozen of them are still waiting for their money. If you live in one of the following 12 states and you haven't yet received a payment you qualified for, don't panic — the check might be in the mail.

Who is getting a stimulus check in 2022? ›

Eligibility is limited to those who make $100,000 or less for single filers, $150,000 or less for heads of household and $200,000 or less for couples filing jointly. The first round of relief checks were mailed in June 2022, but checks are being sent out until the end of the year.

Are we getting a stimulus check in September 2022? ›

September 30, 2022

If you haven't received your check yet, and you filed your 2021 state tax return by June 30, 2022, you should receive your rebate before Sept. 30, 2022.

Who gets the 4th stimulus check? ›

California: California will be giving payments of up $700 for joint filing couples earning less than $150,000 annually, with individuals qualifying for up to $350.

Is the IRS giving out money 2022? ›

IRS Sending Extra Refunds to 1.6 Million Americans in 2022 - CPA Practice Advisor. Hello.

Are 3rd stimulus checks still being sent? ›

The IRS notes that some third-round stimulus checks may still be in the mail. If you're using tax preparation software, it should ask you questions to determine how much you can claim, if anything. Otherwise, you can use this Recovery Rebate Credit worksheet.

Why are the third stimulus checks delayed? ›

You Didn't File a 2019 or 2020 Tax Return

Generally, the IRS will look at your 2019 or 2020 tax return to see if you're eligible for a third stimulus check and, if so, to determine the amount of your check. If you didn't file a 2019 or 2020 return (not everyone is required to file one), then the IRS is stuck.

Where is my 3rd stimulus check? ›

The IRS had until December 31, 2021 to issue all of the Third Economic Impact Payments. If you have not received your Third stimulus payment, you will need to claim it as the Recovery Rebate Credit on your 2021 tax return.

Why didnt ti get a third stimulus? ›

You're Not Eligible for a Third Stimulus Check

You could be claimed as a dependent on someone else's tax return; You don't have a Social Security number; or.

Who will get a stimulus check in June 2022? ›

To be eligible, residents must: Be at least 18 on or before December 31, 2021; Be a resident for the entire 2021 income tax year; And file a state income tax return for the 2021 income tax year or apply for a Property Tax/Rent/Heat Credit (PTC) Rebate by June 30, 2022.

Where can I find 6475 letter? ›

This information became available on January 15, 2022, under the Tax Records page in Online Account. For married individuals filing a joint return, each spouse will need to log into their own Online Account or review their own Letter 6475 for their portion of their joint total payment.

How will the 3rd stimulus checks be distributed? ›

The IRS will issue a check by mail or direct deposit based on the data the agency already has in its systems. Taxpayers will receive their check through their bank account if their direct deposit information is already on file.

Why are stimulus checks being delayed? ›

Those who've already filed for 2020 may see a delay in their stimulus check because the IRS is reviewing your latest information to determine exactly how much you will receive. If you did not file taxes for 2019 or 2020, that may also delay your payment, even if you don't typically have to file a return.

How long does it take to get stimulus check direct deposit? ›

Direct Deposit payments will generally be deposited 2 to 3 days after the IRS confirms income eligibility for the payout. Physical checks will take at least 6 to 8 weeks to be mailed out.

Where is my stimulus I haven't got it yet? ›

If the bank says it hasn't received a payment, you can request a payment trace. To request a payment trace, call 800-919-9835 or fill out IRS Form 3911, Taxpayer Statement Regarding Refund.


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