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My Stimulus Check Never Arrived

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My Stimulus Payment Went To The Wrong Bank Account

Stimulus checks could arrive as soon as January 2021, but will it be enough?

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 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 . 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.

If Your Third Stimulus Check Is Lost In The Mail Or Something Else Happens To It Before You Get It You Can Ask The Irs To Trace Your Payment Here’s How It Works

It’s bad enough if a new sweater you ordered on Amazon gets lost in the mail but you’re really going to get mad if the post office loses your $1,400 stimulus check. What do you do then? Or what happens if your bank never receives your direct deposit stimulus payment from the IRS? Are you going to lose that money?

Fortunately, the IRS has a procedure to help. If your third-round stimulus payment is lost, stolen or destroyed, you can ask the IRS to perform a “payment trace” to see if your check was cashed or direct deposit misdirected. Ultimately, if everything goes smoothly, you’ll be issued a new payment. That’s the good news.

But there’s some less than thrilling news, too. First, you have to wait a certain period of time before starting the process, and then it’s going to take some time. So, you won’t get your stimulus money right away. Second, as with any government request, there’s a healthy list of procedures you must follow. Slip up on one of the steps, and you could find yourself in a bureaucratic black hole. But don’t worry. While dealing with the IRS can be intimidating, we’ll help you get through the process.

You May Have Overlooked The Envelope With Your Check Or Card

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.

Read Also: When Will Second Stimulus Checks Arrive In Mail

How To Check The Status Of Your Coronavirus Stimulus Check

If you’re trying to find out the status of your coronavirus stimulus payment, go to the IRS’s Get My Payment page. You can learn whether your payment has been issued, and if it’s coming by direct deposit or mailed check.

Learn more about the stimulus payments, including whether you qualify for one and what, if anything, you may have to do to get yours.

Check The Status Of Your Third Economic Impact Payment

Stimulus check 2021: What to do if you must file a tax return

All Third Economic Impact Payments must be issued by Dec. 31, 2021 in accordance with the American Rescue Plan Act of 2021, signed into law on March 11, 2021.

The IRS mailed Notice 1444-C to people who received a third Economic Impact Payment. You should keep this letter with your tax year 2021 records.

Check when and how your payment was sent with the Get My Payment tool.

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What The Irs Will Do

You’ll generally receive a response about six weeks after the IRS receives your request for a payment trace . They will process your claim for a missing payment in one of two ways. If the check was not cashed, the IRS will issue you a new one. If you find the original check after receiving a new payment, you must return the original as soon as possible.

If the check was cashed, the U.S. Bureau of the Fiscal Service will send you a claim package that includes a copy of the cashed check. Follow the instructions in the packet. The bureau will review your claim and the signature on the canceled check before determining whether the payment can be reversed and a new payment issued.

What Impact Will Tax Season Have On My Stimulus Payment

Taxes for 2020 are due on May 17, 2021 . The IRS began accepting tax returns on Feb. 12, 2021. This means your third-round stimulus payment could arrive in the middle of tax season. This alone creates questions such as Do I need to file my 2020 taxes right away? Will the IRS accept my 2019 income? and, of course, Does this mean stimulus payments will be delayed?

Due to the winter storms that hit Texas, Oklahoma, and Louisiana in February 2021, the IRS has delayed the 2020 federal individual and business tax filing deadline for those states until June 15, 2021.

In answer to the first two questions, you dont need to file your 2020 taxes right away, but depending on your income in 2019 and 2020, you may want to. The IRS will use the latest year they have on file when your stimulus is processed. This means if all they have is your 2019 return, then thats what they will use if you earned less in 2020, then it could be better for you if that number is used.

While its possible that your stimulus check or even tax refund check could be delayed this year, according to the IRS, the additional programming and testing that resulted in the late Feb. 12, 2021, start date for tax season makes that unlikely.

Read Also: Will You Get A Stimulus Check

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Still No Third Stimulus Check Track Your Money Now With This Online Tool

If your third stimulus check hasnt arrived yet, youre likely becoming concerned about whats happened to it. But dont get too worried yet start by checking your bank account because it may have a pending deposit.Iits also possible the check is stuck en route in the mail. Once you figure out your payment status, you may find that youre owed a plus-up supplemental payment if the IRS didnt send you enough stimulus money.

contactless payments personal finance cash money

However, there could be information you need to act on if thats the case, the IRS online tracking tool will let you know. Itll also show if you need to file a payment trace for that missing third check. The tool isnt perfect, but its a great way to learn your payment status. It wont tell you how much money to expect not everyone gets $1,400 but you can use our stimulus calculator to estimate that amount.

In mid-July, the IRS will begin disbursing advance child tax credit checks for up to $300 a month for those eligible you can use this separate calculator for that. Heres how to claim up to thousands in child care expenses and what we know about a possible fourth stimulus payment. We have updated this story.

Can A Debt Collector Take My Stimulus Check

When Will I Get my Stimulus Check? Payments to Arrive March 17 From Big Banks

Child support, taxes, and other debts to the federal government are exempt from garnishment, but a private debt collector can try to take your stimulus payment. While previous rounds of aid prohibited debt collectors from garnishing stimulus payments, that protection was not included in this third round.

Congress may consider new, separate legislation to shield this round of payments from debt collectors.

Recommended Reading: Is There Going To Be Another Stimulus Payment

Also Check: Who Will Get The Next Stimulus Check

When To Request A Payment Trace

If the “Get My Payment” tool says that your third stimulus payment was issued as a direct deposit into your bank account, you should first check with your bank before submitting a payment trace request to make sure they didn’t get a deposit. But wait at least five days after the estimated delivery date. Otherwise, the bank might not have the necessary information. After five days, you can request a payment trace if the bank still hasn’t received your payment.

If you were scheduled to get a third-round paper stimulus check in the mail, the IRS can’t initiate a payment trace unless it has been:

  • Four weeks since the check was mailed to a standard address
  • Six weeks since the check was mailed if you have a forwarding address on file with the local post office or
  • Nine weeks since the check was mailed to a foreign address.

What To Do If You Never Received Your Stimulus Check

As many as 8 million people are still waiting for their second stimulus checks. Thats according to Brian Deese, the new director of the White House National Economic Council. This is principally an issue associated with people who are non-filers.

If you think youre one of these 8 million and youre certain you meet all the stimulus requirements, you have options. One of which is requesting a Payment Trace from the IRS.

Recommended Reading: When To Expect The Stimulus Check

Dont Lose The Irs Letter That Confirms Your Stimulus Payment

If the IRS issues you a stimulus check, it sends a notice by mail to your last known address within 15 days after making the payment to confirm delivery. The letter contains information on when and how the payment was made and how to report it to the IRS if you didnt receive all the money youre entitled to. Youll need to reference this information if you dont receive your full payment and need to claim your money later. Heres how to recover the information if you lost or tossed the letter.

Get My Payment Says Payment Issued But I Haven’t Received It

Stimulus check never arrived? IRS has good news for you

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” on your next 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.

Recommended Reading: Will Seniors Get A Second Stimulus Check

Mail Delivery Remains Slow

The United States Postal Service was beleaguered by delivery delays over the holiday season, exacerbated by high levels of online shopping and thousands of postal workers catching Covid-19. While delivery times have improved since December, according to the New York Times analysis of a USPS report, only 84% of first-class mail was being delivered on time by the beginning of March, below the agencys target of about 96%.

The IRS announced it will send another batch of stimulus payments by mail the week starting March 22 If Get My Payment says that your payment has been mailed, make sure to check your mail regularly, especially if it is not in a secured location. For added protection, consider signing up for the free USPS service, Informed Delivery. This allows you to get a preview of your mail arriving that day.

You can see what stimulus checks, EIP debit cards and envelopes look like on the IRS website.

The Annoying Dispute Form

As soon as I saw the $0.48 and the transactions used on the card, I called The Money Network customer service line at the same number about the card, and of course, there is a long procedure on how to deal with these things. I spoke to a representative on what to do to get my missing $1399.52. Lets just round up to the whole $1400 for the sake of this article. According to The Money Networks representative, I needed to create a dispute form in order to dispute the charges made on the card. Basically, prove that It wasnt me who put the charges on the card. I spoke to the representative for over an hour to make sure I got all the details I needed in order to create this dispute form as well. I have listed the criteria the representative told me down below

*WARNING!! DO NOT USE THE FOLLOWING PROCEDURE IF THIS HAS HAPPENED TO YOU. THIS IS NOT THE FINAL CRITERIA!**

YOU CAN FIND THE CRITERIA FOR THE DISPUTE FORM IN THIS ARTICLE

1. Handwritten on BLANK 8½ sheet paper2. Faxed

Read Also: Never Got First Stimulus Check

When Should You Request An Irs Payment Trace

Since the third stimulus checks are still being sent, you could hold out a little longer before taking action. If you didn’t get your first or second check at all, though, it’s time to do something. This chart shows when you can and should request an IRS payment trace, which is designed to hunt down a stimulus check the agency says it sent. More below on exactly how a payment trace works, how to get started and when to use it.

This timeline was the same for the first and second payments of 2020 as well. If your first or second stimulus check is missing, you can no longer use the Get My Payment tool to track it down.

My Address Changed How Can I Tell The Irs

Social Security stimulus checks arrive

Many people moved in 2020, which means if you are one of those expecting a mailed check or pre-paid debit card, you may be concerned about the payment reaching you.

Unfortunately, the IRS’ “Get My Payment” site doesn’t allow people to update their addresses. Instead, the IRS is urging people to file their 2020 tax returns with their current address.

However, given that the deadline for filing 2020 tax returns has been pushed back to May 17 from its typical April 15 cutoff, there are likely millions of people who haven’t yet filed their tax forms and aren’t likely to do so before the IRS distributes most of its checks.

The IRS said that payments that can’t be delivered to eligible people will be returned to the tax agency. If that happens, the IRS’ “Get My Payment” site will show you a “Need More Information” message, which will then allow you to enter direct deposit information or ask for the stimulus check to be delivered on a pre-paid debit card.

Recommended Reading: How Do College Students Get Stimulus Check

Stimulus Checks Can Be Helpful If You Get Them Technical Glitches Still Abound

There are a whole host of other reasons why you might not have received your stimulus check yet. The tools that the IRS is giving us in order to make the process simpler arent always working either due to high volume, data inaccuracies or because there are glitches.

The #IRS Get My Payment tool is operating at record volumes. So far, 9.8M people got an Economic Impact Payment status and 1.6M provided direct deposit info. In some situations, the app responds: Status Not Available. Learn what this means at

Your best bet if youre getting errors on the site is to keep trying and look for guidance from the IRS on next steps.

While we cant control a lot of those issues, you can make sure that youre informed, and that you know what youre eligible to receive.

Make sure to head on over to all of our stimulus check content, and read up on all the details.

Confirm youre eligible and make sure there isnt some other reason why youre not getting a check.

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