The IRS has been making stimulus payments since April. Has yours arrived?Angela Lang/CNET
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Why haven't you received your coronavirus stimulus check yet? One simple answer is, the IRS has scheduled your payment for later in 2020. But we've found other, more complicated reasons that could delay your check.
Before we begin, it's important to know where to look for the money. Your stimulus payment could arrive through direct deposit to your bank account, if you had set that up before the May 13 deadline. At this point, however, you'll likely get it in the mail, as either a paper check or a prepaid debit card. It'll be your money to spend, free and clear.
The relief money from the IRS is part of a sweeping economic package intended to help bolster a US economy reeling from the effects of the pandemic. Meanwhile, a bill for a second round of stimulus checks for up to $1,200 is up for debate in Congress.
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The payment process has sometimes been rocky, as some CNET readers have shared. In some instances, the IRS indicated that checks were mailed or deposited weeks ago, though the checks still hadn't arrived. In another example, the reader submitted their banking information using the IRS Get My Payment portal in April and still couldn't see the status of their payment in May. And some think their payment has fallen through the cracks. If you've checked the IRS tool and haven't found the answers you're looking for, here's what else might cause a holdup.
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You won't get a stimulus check if you aren't eligible
Check this first. You're eligible to receive a stimulus payment if you:Are a single US resident and have an adjusted gross income less than $99,000.File as the head of a household and earn under $146,500.File jointly without children and earn less than $198,000.Are the parent of a child aged 16 or younger.
The IRS has scheduled your payment for later in the year
While the IRS has sent out 152 million payments as of May 22, it still has more to go. In April, the IRS estimated (PDF) it could take up to 20 weeks to send every payment out and it is prioritizing the payment schedule by sending checks to those with lowest incomes first. Depending on your adjusted gross income, you may have weeks and possibly several months to wait, according to the IRS plan.
The IRS started processing your paper check before you submitted your direct deposit information
If the IRS was already preparing to mail your paper check when you provided your banking information online, you'll still receive your check in the mail. The IRS said it can typically take up to 14 days to receive the payment in this situation.
You'll want to check your inbox.Sarah Tew/CNET
The banking information the IRS has for you is out of date or no longer valid
The IRS said it's using banking information from your 2018 or 2019 tax return to send your payment. Some tax preparers, however, set up temporary accounts for their clients to receive their returns, such as to a prepaid debit card. If this is the information the IRS has for you, the agency said the payment will be returned and reprocessed.
If for whatever reason, the banking information the IRS has for you is not valid, the agency says it will mail you your check. The IRS said to check its Get My Payment tool for updates.
Your bank had trouble processing the direct deposit
If your bank couldn't process the electronic money transfer from the IRS, the payment was returned and the IRS is now mailing your check to the most current address it has on file, either from a 2019 or 2018 tax return or one from the Postal Service.
The IRS was waiting for your banking info before sending your check
The IRS made a big push to get everyone who was eligible for a check signed up for direct deposit by May 13. The benefit of direct deposit, the IRS said, was you'd get your check quicker than through the mail. Now that the deadline is passed, the IRS said it will start sending paper checks and debit cards to those it doesn't have banking information for, from the end of May through June.
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You owe child support
If you are past-due on child support, the IRS said your payment may be reduced or completely deducted. If that happens, the Bureau of the Fiscal Service will send you a notice.
A claimed dependent is not eligible for a payment
Parents who are not married to each other and do not file a joint return cannot both claim a qualifying child as a dependent. The parent who claimed their child on their 2019 return may receive the payment. Likewise, dependent college students do not qualify for a payment.
You may have been scammed
The FBI warns that scammers are looking to steal your stimulus check. We have a guide for how to guard against these attacks. If you receive a letter from the IRS notifying you that the agency has already sent your money -- with details on whether it came through the mail or straight to your bank -- but you didn't get the payment, the letter includes information on how to report that the money didn't arrive.
You need to file a nonfilers form
If you are eligible for a payment but because of low income didn't need to file a tax return for 2018 or 2019, you may need to use the IRS' nonfilers tool to give the agency your information. If you think that is you, head to the IRS' website, check the requirements and then provide some basic information to get your stimulus check.
To assist you with potential problems regarding your payment, the IRS added 3,500 telephone representatives to help navigate common issues. The representatives won't be able to help with specific problems with your payment, however.