Second stimulus check sending in 2 phases: Will your payment make it before the deadline?


The IRS has only four days left to send out the second stimulus checks to those who are eligible. After Friday, Jan. 15, anyone who didn’t automatically get their $600 check will need to claim their money on their taxes later this year. As of late last week, the IRS is about 80% of the way to sending out all the relief money Congress allocated for this round of payments, using the two primary ways the IRS has sorted payments: to bank accounts through direct deposit and in the mail as a paper check or an EIP debit card.

But with the Jan. 15 deadline approaching quick, the IRS still has around 20% of the payments to make and is working through a major electronic-transfer problem, so there’s a chance that the delivery of your second stimulus check could slip into the days past the cutoff. If it doesn’t show up, you’ll have to claim a make-up payment, called the Recovery Rebate Credit, for all or part of the second stimulus check.

After confirming you qualify for a $600 check, the next step is to work out which payment group the IRS has sorted you into. This will give you an idea of where to look for your check and what to do if you don’t receive it before the start of the tax season. Read on for details about IRS payment groups below, and here’s where things stand with a third stimulus check for $2,000. This story is updated regularly with new information.

Direct deposit payments straight into your bank account

As of last week, the IRS had reportedly sent out four-fifths of its $600 stimulus payments through direct deposit, which demonstrates a clear advantage to people who receive an electronic transfer of funds. Direct deposit is a quicker, more efficient mode of delivery than a mailed check, which means the IRS can process many more people faster. (Here’s how to track your second stimulus check online.)

There are two things to know, however. First, some reported problems with checks being sent to the wrong bank account mean that millions of people haven’t been able to receive their stimulus payments through direct deposit after all. And the IRS’ tracking tool won’t let you sign up for or change your direct deposit information this time around…Read more>>


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