As the IRS sends out its third batch of stimulus payments, many people wonder where their second stimulus payments are.
Millions of people have already received their third stimulus checks, many of them by direct deposit. But many individuals haven't even received their second stimulus payments, nevermind their third payment. While some can expect to receive a prepaid debit card or paper check in the next few weeks, others won't receive a check this time at all. (Fewer households are expected to receive a third stimulus check because of the lower income phaseouts. Read about eligibility in our article on the income phaseouts for the third stimulus check). Here are some answers for those who haven't received their second or third stimulus payment.
Check the Get My Payment Tool
The IRS website has been uploading data for your third stimulus payment into a tool on its website called Get My Payment. If your information has been updated, you'll be able to see the date you can expect to receive your stimulus payment, or the date it was deposited or mailed. You should also be able to see whether your money was direct deposited or whether you'll be receiving the payment by mail.
Many people are seeing a message that says either the IRS doesn't have enough information yet or you aren't eligible for the payment. This message doesn't necessarily mean you aren't eligible for the payment. This information may be updated this coming weekend.
Here are some of the issues people are seeing, either with their actual deposit or with the Get My Payment tool.
My Stimulus Payment Went to the Wrong Bank Account
If the Get My Payment tool tells you your check will be direct-deposited, it will also provide the last four digits of the number of the bank account into which your stimulus payment will be deposited. For the initial checks, some individuals saw that their deposit was going to an old bank account, or they even saw bank account numbers that they didn't recognize. Here's what to do:
- If the tool says that your payment was deposited into your bank account but you haven't seen it yet, your bank may still be processing it.
- You won't necessarily get the third check direct deposited, even if the first or second one was direct deposited.
- If your third stimulus payment is sent to a closed bank account, the bank is required to transfer the money back to the IRS. The IRS will not redeposit it to you or mail you a paper check. Instead, you will have to file your 2021 tax return (by April 15, 2022) to claim your "Recovery Rebate Credit." See below for instructions on claiming the rebate on your tax return.
- If H&R Block submitted your last tax return and you signed up for a "refund transfer," the IRS might deposit your stimulus payment with H&R Block (so you may see its account number instead of yours). H&R Block should transfer the money to your bank account within 24 hours.
- Those who submitted their last tax return with Turbo Tax should receive their payments in the same bank accounts through which they received their tax refunds.
My Third Stimulus Payment Was Too Low
Many individuals and families will find that their third stimulus checks are lower than they thought. That could be because people who make over a certain amount have part of the $1,400 payment taken away. For example, single people who make over $75,000 in adjusted gross income will have their second stimulus checks reduced by 28% of the income over $75,000. Married people filing jointly and heads of household will have their payments reduced by a similar amount.
The third stimulus payment is technically based on your 2021 income, but the IRS is using your 2020 tax return (or 2019 tax return if that's the last one you filed) to estimate it. If your income goes down in 2021, making you eligible for a payment, or a higher payment, you'll be able to file a tax return for your 2021 taxes (by April 15, 2021) and you'll receive the stimulus money you didn't get—it's called a recovery rebate credit.
(Estimate the amount you may get with our stimulus check calculator.)
Why Did We Get Only Half the Amount?
Many couples are finding that they are getting direct deposits for only a portion of what they think their stimulus payment should be. Some have gotten half of their payment deposited one week and half the next, and other couples are finding that their dependents' share of the stimulus money is split between the two parents.
The IRS has explained that the first payment made might be based on a taxpayer's 2019 tax return, and the second payment is a "plus-up" payment that is based on the taxpayer's 2020 tax return.
The IRS has also said that part of the problem may be with "injured spouse" claims on a tax return. (If the IRS takes part of a joint refund to settle the tax debt (or past due child support) of only one spouse, the "injured" spouse can request a refund.) The IRS says that these couples will get their payments as two separate payments.
If you haven't received the full amount, wait until you get your Notice 1444, Your Economic Impact Payment, from the IRS. That letter should have the correct amount of your stimulus payment. If you don't receive deposits or checks in that amount, you may have to file a Recovery Rebate Credit (see below). You can also read the IRS's press release from April 1, which contains a lot of helpful details.
I had a Problem With the First or Second Payment
Some individuals had too much income in 2019 to qualify for the first or second stimulus payment (since the IRS based eligibility on 2019 income), but their income decreased enough in 2020 for them to qualify. If you fall into this category, you can file a tax return for your 2020 taxes (by May 17, 2021) and you'll receive a recovery rebate credit as part of your refund (more on this below).
In other cases, families received stimulus payments by direct deposit but the IRS neglected to add money for one or more of their children. Sometimes there didn't seem to be a reason for this (the family e-filed a tax return in 2018 or 2019 claiming the child tax credit for all of their children). For other families, it seems the IRS did not update the number of children that taxpayers have, even for families who claimed new children on their 2019 tax returns. You'll be able to claim the rest of the stimulus payment when you file your next tax return.
Get My Payment Says Payment Issued But I Haven't Received It
The IRS says that it may take three to four weeks to receive a check after it's mailed. If it has been weeks since the Get My Payment tool says the payment was mailed, and you haven't received it, you can request a payment trace. The IRS will research what happened to your check; if the check wasn't cashed, you will need to claim the "Recovery Rebate Credit" (RRC) on your next tax return. (See below for instructions on claiming the rebate on your tax return.) If the IRS finds that the check was cashed, you'll receive a claim package from the Treasury Department with a copy of the cashed check and instructions on filing a claim.
Similarly, if the Get My Payment tool says your payment was direct-deposited, but the money doesn't show in your bank account after five days, first check with your bank. 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 Did I Receive a Debit Card?
The IRS issued millions of debit cards to taxpayers in lieu of second stimulus checks, but will be sending out fewer debit cards out for the third payment. The prepaid Visa debit cards, issued by MetaBank, are called Economic Impact Payment (EIP) cards. Your EIP card will arrive in a white envelope with "Economic Impact Payment Card" in the return address. You'll need to activate the card by calling the phone number that comes with the card and choosing a 4-digit PIN number. (For cards with more than one name, only the person listed first on the card can activate it.)
You can use your EIP card for purchases or use it to withdraw cash (subject to a daily limit). You can also transfer the funds from your EIP card directly into your own bank account, after you register for online access. (The card will come with instructions on setting up online access.)
If you use the card wisely, it will be free, but there are some fees to be aware of. If you use an out-of-network ATM or a bank teller to withdraw cash, you may need to pay a fee, and if you check the balance of the debit card, at either an in-network ATM or an out-of-network ATM, you will be charged a small fee. (Instead, you can use your Web browser or a free mobile app to check your balance.)
The IRS has announced that the vast majority of taxpayers should receive their third stimulus payment by direct deposit this time.
I Got a "Payment Status Not Available" Message
Many checking on their second stimulus check were seeing a message that said "Payment Status #2 - Not Available." The IRS has indicated that these individuals will not receive a stimulus check by direct deposit or mail and they will have to file their 2020 tax return (by April 15, 2021) to claim their "Recovery Rebate Credit." See below for instructions on claiming the rebate on your tax return.
These messages have now disappeared and will be replaced by information about the third payment.
I Received a Second Payment But My Spouse Didn't
There have been cases where a couple submit their tax returns as "married filing jointly," and both spouses are eligible for a $1,400 stimulus check, but one spouse received a payment and the other did not (and the "Get My Payment" tool says no information is available for the spouse who did not receive a check). This is an error on the IRS's part. Unfortunately, the spouse who didn't receive a check will have to claim a Recovery Rebate Credit on his or her 2020 tax return. See below for instructions on claiming the rebate on your tax return.
How to Claim the Recovery Rebate Credit
If you did not receive your first or second stimulus payment, or if it was for the wrong amount, you'll need to file a tax return for the 2020 tax year (by May 17, 2021 unless you request an extension). You'll file Form 1040 or Form 1040-SR (tax return for seniors). You'll need your Notice 1444, Your Economic Impact Payment from the IRS when you file. You should have gotten your first Notice 1444 (in the form of a letter) sometime last spring or summer, and you should have gotten your second one (called Notice 1444b) in February 2021. You'll need the amount of the payment in the letter when you file your tax return in 2021.
If you don't receive your third stimulus payment, or if it was for the wrong amount, you'll need to file a tax return for the 2021 tax year (by April 15, 2022 unless you request an extension). You'll file Form 1040 or Form 1040-SR (tax return for seniors). You'll need your Notice 1444, Your Economic Impact Payment from the IRS when you file. You'll need the amount of the payment in the letter when you file your tax return in 2021.
You can take the Recovery Rebate Credit for any rebate amount that is more than the economic impact payment that you received by completing line 30 of Form 1040 or Form 1040-SR. The instructions for Form 1040 and Form 1040-SR include a worksheet you can use to calculate the amount of the credit you are eligible for.
My Stimulus Payment Was Too High
Some individuals whose income increased too much in 2019 were not eligible for a full stimulus payment, but they got one anyway since the IRS based the payment on their 2018 taxes. Those individuals will not have to pay back the payment.
In other cases, families were paid an extra $500 or $600 for children who were 17 or older (families are supposed to get $500 for each child who are under 17). This could happen if the IRS took the number of children who qualified for the child tax credit in 2018 without updating children's ages for 2019. But in other cases, it looks like the IRS took the number of dependents from a family's 2018 tax return, without regard to their age. The IRS has said that those who received such overpayments will not have to pay them back.
The Non-Filer Tool Is No Longer Available
Those who earned little income and didn't need to file a tax return for 2018 or 2019 taxes had until November 21, 2020 to submit "non-filer" information to the IRS. If they did not, they may have to wait until 2021 to get their stimulus "recovery rebate credit" by filing a tax return for 2020 taxes. With the second and third round of stimulus payments, there is no option to add or change your bank account information.
If you are in this situation, you can file a free tax return with the IRS. Go to its free file page, where you'll be asked to create an account and provide your Social Security number and bank information for direct deposit.
How Can You Correct Mistakes?
The IRS sends out Notice 1444 by mail within 15 days of making a direct deposit or sending a paper check. That letter will tell you the amount of your stimulus payment and how it was made. The letter also provides instructions on fixing issues with your payment.
Updated April 5, 2021
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.What do I do if I didn't get my third stimulus? ›
If you are missing your third stimulus check, file your 2020 tax return or use GetCTC.org (available until November 15, 2022) if you don't have a filing requirement. By submitting your information to the IRS, you will be signed up and automatically sent the third stimulus check.What are reasons for not receiving stimulus check? ›
- You Didn't File Your Tax Returns for 2019 or 2020.
- You Changed Your Bank Account.
- You Recently Moved.
- You Made Too Much Money Last Year.
As required by law, the IRS is no longer issuing third-round Economic Impact Payments. People who are missing a stimulus payment or received less than the full amount may be eligible to claim a recovery rebate credit on their 2021 federal tax return.Has letter 6475 been mailed? ›
The IRS began issuing Letter 6475, Economic Impact Payment (EIP) 3 End of Year, in January 2022.Do I need letter 6475 to file taxes? ›
We encourage you to use your letter 6475 before filing taxes for 2021 vs. using other documents. Having the wrong amount on your return could trigger a manual review of your return, which could delay your return – and refund for weeks.How do I contact the IRS about a missing stimulus check? ›
To start a payment trace:
Call us at 800-919-9835. Mail or fax a completed Form 3911, Taxpayer Statement Regarding RefundPDF.
If you didn't get your first, second, or third stimulus check, don't worry — you can still claim the payments as a tax credit and get the money as part of your tax refund.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.Can you track stimulus payments? ›
To find the amounts of your Economic Impact Payments, check: 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.
Those with questions can call the stimulus check hotline at 1-800-919- 9835.What do I do if I have not received my 1400 stimulus check? ›
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.How do I claim 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.What is the code for the third stimulus check? ›
Also, for filers who got a third economic impact payment, sometimes referred to as a stimulus check, the IRS states it will mail you Letter 6475. Another way to check the amount of your EIP is to find Notice 1444-C that the IRS indicates was sent out by mail after payments began in March 2021.How do I claim my 2022 stimulus check? ›
Visit GetYourRefund.org through October 1, 2022, to claim your first and second stimulus checks. Visit GetCTC.org through November 15, 2022 to claim your Child Tax Credit and/or your third stimulus check. You can access the following Guide to the IRS Non-filer Form as Google Slides that can be printed.Is letter 6475 and 6419 the same? ›
Letter 6419 contains information regarding your Advanced Child Tax Credit payments, the $300 or $350 parents received per child per month from July to December, and Letter 6475 is all about that third pandemic stimulus check. Both are necessary, so keep your eyes peeled for their arrival.When should I get letter 6475? ›
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.Do you need stimulus letter for taxes? ›
The IRS letter can help tax filers determine whether they are owed more money and if they are eligible to claim the Recovery Rebate Credit on their 2021 tax return when they file a return this year. Even if you are not owed additional money, you'll still need the letter to report any stimulus payments on your taxes.What does the letter 6475 mean? ›
IRS Letter 6475 is the official tax record of your 2021 economic impact payment (EIP). Letter 6475 will show your personal information, such as your name and address, and your total EIP amount issued by the IRS. Live Blog Updates: SNAP (Food Stamps) and Social Security Benefits.Will we get a stimulus check in 2022? ›
Direct deposit payments will be sent first, followed by paper checks. Rebate payments will be processed through 2022 and into 2023 as residents file the necessary tax returns.
The IRS sent Letter 6419 out from December 2021 through January 2022, so you should have received yours by now. But don't worry if you weren't sent a letter, didn't receive it or threw it out. You can also use the IRS' CTC Update Portal or create and check your IRS account for a record of your advance CTC payments.Where can I find a letter 6475? ›
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 do I get a person on the phone at IRS? ›
- Call the IRS at 1-800-829-1040 during their support hours. ...
- Select your language, pressing 1 for English or 2 for Spanish.
- Press 2 for questions about your personal income taxes.
- Press 1 for questions about a form already filed or a payment.
- Press 3 for all other questions.
IRS unveils voice and chat bots to assist taxpayers with simple collection questions and tasks; provides faster service, reduced wait times | Internal Revenue Service.Can I still get my 2nd and 3rd stimulus check? ›
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.How do I get a replacement stimulus check? ›
Call the IRS at 800-919-9835; or. Mail or fax a completed Form 3911 (opens in new tab) to the IRS.How do I claim my 1st and 2nd stimulus check? ›
You can get the first and second stimulus check as part of your tax refund after you file a 2020 federal tax return or use GetCTC.org (available until November 15, 2021) if you don't have a filing requirement.Are we getting a stimulus in 2022 of June? ›
The rebate was issued in July and sent automatically to taxpayers who filed a 2021 state return. Another rebate was issued to all taxpayers. Single filers received $500, and joint filers received $1,000. This rebate was split into two equal payments, delivered in June and August 2022.Who qualifies for 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. Homes with dependents can also get an additional $350.How much is the stimulus check 2022? ›
Stimulus payments can total up to $1,400 per person for those with adjusted gross incomes of $75,000 or less as single filers, or $160,000 or less for joint filers. Families can also receive $1,400 per dependent, regardless of the dependent's age.
The Middle Class Tax Refund (MCTR) is a one-time payment to provide relief to Californians. If you are eligible, you will automatically receive a payment. Payments are expected to be issued between October 2022 and January 2023.Are they still sending out the 1400 stimulus checks? ›
The IRS says it is no longer deploying $1,400 stimulus checks and plus-up payments that were due to qualifying Americans in 2021. However, there may still be people eligible for those checks, or additional funds, once they file their returns this tax season.Can I still get my 1400 stimulus check? ›
Money might still be available for Americans who were entitled to stimulus checks in 2021, but did not receive the correct amount. Anyone who believes they are owed more than they received will be able to claim the Recovery Rebate Credit when filing their 2021 tax returns.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 fill out a 3911 for a stimulus check? ›
- Inquiry date.
- Tax return year.
- Refund amounts.
- Refund dates.
- Check or direct deposit.
- Status: U.S. Postal Service returned check because they could not deliver it. ...
- Section I. Name. ...
- Section II - Refund Information.
Income limits to qualify for the minimum payout are as follows: $200: Individuals who earn up to $250,000 per year. $400: Couples who file jointly and earn less than $500,000 per year. $200: Additional payout for the above families who have at least one dependent.How much was the 3rd stimulus check per person? ›
The third round of stimulus payments is worth up to $1,400 per person. A married couple with two children, for example, can receive a maximum of $5,600. Families are allowed to receive up to $1,400 for each dependent of any age.Why would someone not get the 3rd stimulus check? ›
YOU DON'T QUALIFY THIS TIME
While the income threshold for a full stimulus payment ($75,000 per single person) has remained the same, the payment phase out has been reduced. This means any one making more than $80,000 or $160,000 for a married couple will not receive a third stimulus check.
Third round of stimulus checks: March 2021.
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.How long does it take to get stimulus check 2022? ›
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.Do you have to claim the stimulus checks on your 2022 taxes? ›
The stimulus checks are not considered income and you do not have to pay taxes on them or include them on your tax return. If you didn't get your first, second, and/or third stimulus check or didn't get the full amount that you are eligible for, you can claim them as part of your tax refund.What happens if you don't receive a letter? ›
For delayed mail, either domestic or international, call 1-800-275-8777 to file a complaint. Or go to USPS online, choose the tab marked "Where is My Package" or "Where is My Mail." For lost or damaged mail, file a claim for either international mail or domestic mail.What happens if I never received my 6419 letter? ›
The IRS sent Letter 6419 out from December 2021 through January 2022, so you should have received yours by now. But don't worry if you weren't sent a letter, didn't receive it or threw it out. You can also use the IRS' CTC Update Portal or create and check your IRS account for a record of your advance CTC payments.Can I look up my letter 6419 online? ›
2021 Tax Filing Information
Get your advance payments total and number of qualifying children in your online account and in the Letter 6419 we mailed you. You can use your username and password for the Child Tax Credit Update Portal to sign in to your online account.
Visit IRS.gov to review sample copies of Letter 6419PDF or view the Advance Child Tax Credit Payments in 2021 webpage.Will I get a letter from the IRS about my stimulus check? ›
If you got a letter from the IRS, you might be getting stimulus money. More than 9 million households will receive a letter from the IRS in the coming weeks. If you get an unexpected letter in the mail from the IRS in the coming days, don't sweat it—the agency could owe you money.How do I get a copy of my stimulus check letter? ›
The IRS is unable to issue a copy of the notice if it is lost or never received, even though the payment was received. Taxpayers who don't have their notices can view the amounts of the first and second Economic Impact Payments through their online account.How can I speak to someone from the IRS? ›
Contact an IRS customer service representative to correct any agency errors by calling 800-829-1040 (see telephone assistance for hours of operation).
You can find the office closest to you with our Taxpayer Assistance Locator tool. Once you find your local office, see what services are available. Then, call 844-545-5640 to schedule an appointment.Do I need the stimulus letter to file taxes? ›
Every year, people can overlook filing a tax return when they may be entitled tax credits and a refund. People can file a tax return even if they haven't yet received their letter. The IRS reminds people that there's no penalty for a refund claimed on a tax return filed after the regular April 2022 tax deadline.Can you file without 6419? ›
We strongly encourage you to reference IRS letter 6419 before you file your taxes. Using incorrect amounts on your return could trigger a manual review of your return, which could delay your return—and refund for weeks. Referencing your bank statements may not be the best route.Will there be a Child Tax Credit in July 2022? ›
Time is running out to claim the expanded Child Tax Credit that could bring an eligible family as much as $3,600 per child under the age of 6.How do you find the third stimulus amount? ›
Find Out Which Payments You Received
IRS EIP Notices: We mailed these notices to the address we have on file. Letter 6475: Through March 2022, we'll send this letter confirming the total amount of the third Economic Impact Payment and any plus-up payments you received for tax year 2021.
Another payment, in the form of a refundable income tax rebate, was issued to all taxpayers. Single filers received $500, and joint filers received $1,000. This rebate was split into two equal payments, delivered in June and August 2022.Is IRS sending out checks 2022? ›
IRS Sending Extra Refunds to 1.6 Million Americans in 2022 - CPA Practice Advisor. Hello.