Get your Stimulus Check (EIP)
The federal government has begun sending out the third round of Economic Impact Payments (EIPs), often called a stimulus check. In this round, individuals can receive up to $1,400 for themselves or $2,800 for a married couple filing jointly and an additional $1,400 for every dependent.
If you have not yet received this payment or earlier rounds of payments, it is not too late! You can still claim them by filing a tax return this year.
We know there are many questions around the Economic Impact Payments (EIP) and we have some answers! We’ve broken down some common questions to help you out.
The IRS will post all key information on IRS.gov/eip as soon as it becomes available.
Updated on April 6, 2021
Who is eligible?
For the first round, eligible taxpayers received an economic impact payment of up to $1,200 for individuals or $2,400 for married couples and up to $500 for each qualifying child under the age of 17. For the second round, eligible taxpayers received an economic impact payment of up to $600 for individuals or $1,200 for married couples and up to $600 for each qualifying child.
In each round of payments, tax filers with adjusted gross income up to $75,000 for individuals, up to $112,500 for those filing as head of household, or up to $150,000 for married couples filing joint returns receive the full payment. For filers with income above those amounts, the payment amount phases down gradually.
In the first two rounds of payments, only children under age 17 could be claimed for the dependent payment. Other dependents were not eligible—and also could not claim the EIP themselves. In the third round of payments, all dependents, including college students and adult dependents can be claimed. In addition, as discussed below, some children in mixed-immigration status households who were previously ineligible, can receive the third payment.
The IRS made the first two rounds of payments based on the information it had from 2018 or 2019 tax returns. If you are eligible for a larger payment based on your 2020 information, you can claim that credit when you file your 2020 return. For example:
- You only got a partial payment due to the phase out, but you lost your job due to COVID-19 and your income was lower in 2020 than in 2019.
- You had a new baby in 2020.
- You could be claimed as someone else’s dependent in 2019, but not in 2020.
- You were not required to file a tax return in 2018 or 2019, and missed the deadline for using the non-filers portal to claim the payments.
To claim this credit, you will need to report how much you received from the two EIPs in 2020. However, you will not have to repay the stimulus payments you received if your income went up in 2020 or the number of dependents you claimed went down. You will need to complete the Recovery Rebate Credit Worksheet for line 30 of the 2020 1040 tax form. We can assist you with these forms if you file your return through GetYourRefund.
If you have any earned income or dependents, you may be able to access additional tax credits or benefits by filing or updating your info with the IRS. Please reach out via chat for more information.
Are mixed immigration status families eligible?
Originally, mixed status families were not eligible for the first round of payments. However, now mixed status families can claim both the first and second round of payments on this year’s tax return. For the second round of payments, if you jointly file with your spouse and only one of you has a valid Social Security Number, the spouse with the valid SSN will receive up to $600 and up to $600 for any qualifying children with SSNs. However, the spouse without a valid SSN is not eligible. The same rules now apply for the first round of payments as well.
For the third round of payments, taxpayers who file with Individual Taxpayer Identification Numbers (ITINs) can claim the EIP for their dependents who have Social Security Numbers. You may obtain an ITIN by filing the form I-7 and required documentation with your tax return, or by bringing the form and documentation to a Certified Acceptance Agent.
Collect your 2020 stimulus check by filing your taxes today!Start filing
How to get paid
How do I get my Economic Impact Payment check?
If the IRS has not sent your first or second round stimulus payment yet, or if you received the wrong amount for either payment, you will need to file a 2020 tax return in order to receive it.
How do I determine if the IRS has sent my stimulus check?
What if there are issues with my bank account information?
If the IRS is not able to deposit to the account it has on record, it will mail the payment to the address it has on file. If mail is returned, the Get My Payment tool will show a status of “more information needed” and you will have the opportunity to provide new bank information.
What if I haven’t filed federal taxes?
We recommend that you file your taxes in order to access the Economic Impact Payments and any additional tax credits you may be eligible for. You can file 2017, 2018, 2019, and 2020 returns for free with GetYourRefund.
What if I don’t have a bank account?
If you don’t have a bank account, it could take up to five months to receive your EIP check by mail. To get your payment quickly via direct deposit, sign up for a bank account online and add your account information when you file your return. If you don’t want to sign up for a bank account, you can link your prepaid debit card or Cash App instead. Many of our VITA partners can also enroll you in a prepaid debit card when you file your return through GetYourRefund.
What if I moved since last year?
The easiest way to update your address is by filing your 2020 return with the correct address. If you have already filed with your old address, you can use the IRS address change website to update your address. There may be delays in receiving your EIP – it could take up to five months to receive your check by mail.
Economic Impact Payment (stimulus) check FAQs
Will the EIP check affect my other government benefits?
No, the EIP checks are treated as a tax credit. This means your payment will not impact the benefits you receive now or in the future.
I still need to file a tax return. How long are the economic impact payments available?
These payments will continue to be available by filing a tax return. Although the official deadline is May 17, you can continue to file until October 15 via GetYourRefund.org.
If I owe taxes, or have a payment agreement with the IRS, or owe other federal or state debts, will I still get the EIP?
While the stimulus payments made in 2020 were protected from garnishment, the same is not true for payments made through Rebate Recovery Credits.
What if I am overdrawn at my bank?
If your bank or credit union has taken a portion of your EIP to cover money you owe them, the Consumer Financial Protection Bureau recommends calling them to ask if they are willing to be flexible.
What if someone offers a quicker payment?
Don’t click on links whose origins you aren’t 100% sure of. Be wary of scams. If it looks too good to be true, it probably is. And don’t send money to someone you don’t know. Look at the fees being charged if you are paying for your tax preparation service or a refund anticipation loan by having them deducted from your refund.