Stimulus Check Payment Schedule and Status

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The IRS has issued the majority of stimulus check (economic impact payments) that were due to be paid via direct deposit. They are now mailing checks to those who didn’t have or provide banking details, or where issues were identified when paying the stimulus check electronically. The following is the planned weekly stimulus check mailing schedule based on annual adjusted gross income, as first reported by The Washington Post. All dates represent the “week ending” (for example, the week ending April 24) and the IRS could change this schedule at any time.

  • Less than $10,000: April 24
  • $10,001 – $20,000: May 1
  • $20,001 – $30,000: May 8
  • $30,001 – $40,000: May 15
  • $40,001 – $50,000: May 22
  • $50,001 – $60,000: May 29
  • $60,001 – $70,000: June 5
  • $70,001 – $80,000: June 12
  • $80,001 – $90,000: June 19
  • $90,001 – $100,000: June 26
  • $100,001 – $110,000: July 3
  • $110,001 – $120,000: July 10
  • $120,001 – $130,000: July 17
  • $130,001- $140,000: July 24
  • $140,001 – $150,000: July 31
  • $150,001 – $160,000: August 7
  • $160,001 – $170,000: August 14
  • $170,001 – $180,000: August 21
  • $180,001 – $190,000: August 28
  • $190,001 – $198,000: September 4
  • Remaining checks: September 11

The IRS has confirmed that the distribution of economic impact payments (stimulus checks) has begun. Payments for most working Americans are have been calculated and deposited or mailed via check based on 2018 or 2019 federal tax filing payment details. Check payments may take a week or two more. The IRS has also launching several tools to help people track their stimulus check payment and/or update direct deposit details. See FAQs and further updates below.

Most people won’t need to take any action and the IRS will calculate and automatically send the economic stimulus payment to those eligible. A dependent stimulus is also available.

For those who have not yet filed their return for 2019, the IRS will use information from their 2018 tax filing to calculate the payment. The economic impact payment will be deposited directly into the same banking account reflected on the return filed. So if your 2018 information is out of date or your income situation changed in 2019, make sure you file, even if you have no taxes due (start filing for free with TurboTax).

SSDI beneficiaries will automatically get the $1,200 (or $2400 a couple) payment from April 17th based on their payment information with the Social Security administration, unlike other workers who have to have a recent tax filing to get the stimulus payment.

Where is my stimulus check payment? The IRS has launched new tools to allow eligible Americans to register and track their stimulus checks payments. The enter my payment info tool located on the IRS.gov website will also allow taxpayers who didn’t have to file tax return in 2018 or 2019 to update their banking information on their return to submit direct deposit information as to ensure they get their payments sooner.

Stimulus Check Payout Schedule

  • 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.

Social Security and Disability recipients who are eligible for the payment will get the stimulus checks/payments deposited the same way they currently get payments today. SSDI will automatically get a check based on the 1099 they get and do not need to do anything.

Can my stimulus check be garnished?

The CARES act has provisions to ensure the stimulus check payment cannot be garnished for overdue loans or back taxes (which is not the case for tax refunds), but this does not apply to child support payments that are in arrears. If you’re behind on child support your stimulus check can be fully or partially garnished either won’t get a stimulus check or will receive a reduced one.

Couples who file jointly and are eligible for the $2400 payment may also see smaller stimulus checks where one spouse has overdue child support from a previous relationship or marriage. Even if your spouse is solely responsible for the arrears or overdue payment, the shared stimulus check will likely be garnished.

Note there are some private debt collectors that are saying that stimulus payments can be intercepted to cover their overdue loan payments based on some vague wording the CARES act. However Congress and State legislatures are working to close this loophole.

Given over 120 million Americans could be eligible for the payment, it will take a while to process the stimulus checks. The IRS has reiterated that they will post the latest information on their website and that trying to call them (if you can get through) won’t get you anymore information.

I will however try and find more details and as always please share your thoughts or tips on this topic.

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70 thoughts on “Stimulus Check Payment Schedule and Status

  1. I filed my income taxes as married filing jointly and mailed the form the 2nd week of Feb., when I check it always says it is being processed. Also I have not received my stimulus check, the website says it was mailed May 15, I received the 1444 letter on June 1st. , informing me that the payments had arrived. I even checked with the
    P.O. they say they don’t have it either, What’s going on?

  2. IRS website says my stimulus was scheduled to be deposited in my account yesterday (5/13) and nothing has been deposited. It the date they use really the date that it’s deposited?

    1. My mother is on SSI and has direct deposit with no dependents and I wonder why hasn’t she received her stimulus check yet?

    2. I was given an EIP payment date and I have direct deposit setup. However, 5 days later I received a check in the mail! Go figure?

  3. I was scheduled to have my EIP DD to my CashApp account on the 29th of April. Here it is May 3, 2020 & nothing. Yes it’s the correct information, i checked get my payment and it’s saying the same thing. What do I do and who do I call? Thanks.

  4. I draw ssi I get my money on a direct diopost Express card I don’t have small kids I have read we’re I do t pay taxes I have to fill out some kind of paper to.get my covid19 money

  5. I worked part time in 2019 and filed taxes, I also received SSDI will they be two checks mailed to those who work and received disability check? Or just one regardless of the taxes turned in

  6. I get SSDI and I get my money on Direct Express debit card I know two people who already gotten theirs today but I haven’t gotten mine and I was wondering why because it would come on my Direct Express debit card

  7. I receive SSI my husband is unemployed. Is his share going to be on my direct Express card ? I went to the portal and filed married jointly to make sure they know I’m married. I used a different account due the fact direct Express card has no routing number. Will he get his in that account ? Will we both get it in the other account now? Does he need to file separately or WTH? I’m not finding any info on this kind of situation at all. Also when I got SSI I got a form to child support saying I’m permanently disabled so they couldn’t take my back pay. Can I still get garnished ? I think they closed my child support case. Cuz I’m permanently disabled.

    1. My direct deposit is on file with my ssdi protected buy 74 so I don’t have to worried for the irs put my stemelett check go to my bank direct deposit

    2. What did u find out? When you filed did it automatically tell you you weren’t eligible?

  8. I receive ssi. Over 15 years ago, I was in a bad situation and ran had to leave my job, apartment etc. This ruined my credit and creditors are still after me even though I became disabled. Can creditors garnish my stimulus through direct express? I called direct express and they said no, but according to this they can? Do they place a hold on your account and take the money directly or can I withdraw it right when it enters?

  9. I am on SSDI & have my check direct deposited. (I did not work prior to me filing for Social Security Disability 15 years ago) I do not file any income taxes as I receive less than $12000 a year. Should I be getting the $600 stimulus
    & will it be direct deposited, same as my monthly check

  10. If I get SSI and my husband don’t work or anything would my husband come with mine ?? I need to know really

    1. No SSI payments I believe are being done on an individual basis. Each eligible recipient should get $1200.

  11. I entered bank info on the irs web portal on 4/15 and stated i am eligible and it will be deposited into my account but the web portal still hasnt updated to show me a date of deposit and no deposit made and its now 4/24 seen ALOT of people with the same problem we just want to know whats going on!

  12. On the Treasury web site they are saying their not sure if payments (impact checks) are going on direct express cards. Why aren’t they addressing this FAQ?? so many millions have this card.. ?

  13. I just got my benefit amount. It will be $94 a week. So do I qualify for the extra $600?

  14. how do I get my Stimulas back when irs is not speaking to anyone and my husband back childsupport took mine as well as they took his, not my debt and I file injured spouse every year so its on my take info. So how do i get it back.

  15. What if I claim my child as a dependent, but they also file their own return? Are they eligible for their own stimulus check?

  16. I am having an issue with my funds. The Get my payment portal is saying my funds will be deposited into my account on April 15, 2020 but my account does not show the deposit being made. I’ve contacted the bank and they told me I would have to contact the IRS but I was not able to talk to anyone there. Do you have any advice on what I can do?

    1. Wait a couple more days and check again. Right now the IRS is not taking calls and payment delays are being seen for many deposits

    2. Mine has said payment status is I’m eligible and it will be deposited in my account…but no date when? It has said that since April 15….meanwhile paper checks are going out and I know people who have gotten them already. I thought the whole idea of entering your direct deposit info was to get the payment quicker….typical government BS

    1. YES ….. IF THAT IS THE WAY YOU RECEIVE YOUR MONTHLY SOCIAL SECURITY PAYMENT

  17. I qualified for stimulus payment according to guidelines. I filled out the non-filers e-form and I received an email from the IRS saying it was accepted. Why can I not track my deposit? It says refund status available and I seen a lot of people with same msg. What’s that mean?also seen that chm my payment crashed! What’s the deal?

  18. Hello, I did my taxes for 2018/2019, never receive my income tax via direct deposit, always by check from the tax preparers. I tracked the payment and it says my $ was deposited into an account I don’t recognize. I asked the lady that did my taxes this past year and she said that they’re being mailed out. Clearly not mine as it says it was deposited into this account today. Is there any chance it went to the tax preparers account and she isn’t being honest? I’m confused.

  19. if i have a payment arrangement with the IRS and provided them with my bank info to debit my account does that mean they have my info to get my stimulus check?

    1. It’s based on your return. But IRS also has a site to validate DD payments. See my recent article (home page on this)

      1. I would like know the same. I still owe taxes from 2018 and have a payment arrangement too. I only gave bank account to direct deposit for the state taxes. Will they know to send it there IF I get a stimulus check?

  20. I did not file my 2019 taxes yet but I did file 2018. I do not have my direct deposit info on file. Where can I update my direct deposit information? Can I use the new portal?

  21. My son just recently file his 2018 tax return but will not file 2019 because his income was below 12,000 should he update his direct deposit information in the new portal. He does not have his bank account info on file.

  22. Will SS beneficiaries (widows benefits) stimulus checks direct deposit to usual banking account they receive monthly? I receive no tax refund but did file 2018/2019 but it did not post today 4/15/20

  23. My 2019 tax return is still being processed will that delay my economic impact payment? I e-filed and submitted my bank info for direct deposit

    1. If you filed 2018 the IRS May use those details but i think your delay may only be a couple of weeks

  24. Okay I’m really confused about receiving my stimulus. I receive SSI. my housing organization (provider of subsidized housing) is my payee and my funds are direct deposited to them. I’ve been in contact but have not received any info yet. So after reading numerous articles on how where and when SSI can and will receive their stimulus. Most incomplete or conflicting actions or no actions to take. Therefore I went to the IRS non filers portal and signed up..entered my info and bank info for direct deposit. I was notified that via email that it has been accepted. So now I’ve read that my stimulus can be garnished. Excuse my language Wtf! I have a prepaid debit visa card . So what’s going on? I know this was a mouth full. Anxiety level high!

    1. I updated the article for this. Unfortunately some private debt collectors are using a loophole in the CARES act to garnish overdue loan payments. Its not fair I agree in times like this. Congress is working to correct this, but you should be safe from garnishment.

    2. kinda in same boat… everyone basically in the world will get a stim check , cause it was all waved for everyone ,,,,… so my question is the only thing that was not waved was child support,,, i have paid my support and was never behind at all supplied medical vision and dental for her,,,so now i get sick to which i am not able to work i fall behind on my payments and now that im able to go back this virus is keeping me from working.. my job has said nothing bout paid leave,,,NOTHING! but not only that they will take the 1200 from me and the 500 , which came for my son, give to her dad that makes 75,000 a yearand his stim as well,, i was sick had numerous surgeries, never been behind before,,,,, didnt they see that? ok so i go and check its been accepted and says its sched for deposit for the 15th today. shows me the account where, its being dep, a prepaid emerald card,, i call them they have no information. if it was bein intercepted wouldnt it say?? someone please any information wil help, i dont know how im goin to survive this,, i lost everything already theonly thing left in me breathing,, thanks.

  25. Will my Son get a check he doesn’t work he doesn’t have any income at all , he been trying to get his SSI, but they keep turning him down, so will he geget one, he live with me full time, ty Maureen

    1. He should be able to get one. He will either need to have filed a tax return or go to IRS site and claim payment

  26. I receive SSI. I have my funds directly put on my bank by direct deposit. My mailing address and bank information is current. do i need to file any additional information in order to receive my stimulus check?

  27. I get social security not ssi…so do my stimulus come on my direct Express card??

  28. So SSI recipients don’t have to file a form and should receive their money on their direct express cards? They should make it clear for people to understand, there are alot of people who have direct express cards for their benefits.

  29. I do not have a bank account and receive my disability via the Direct Express card. Do I have to fill out the non filers form on the irs website or not or will the stimulus payment come via Direct express or do I get a paper check?

  30. It is said that people on SSI can use their direct express card for direct deposit for a one time payment is there going to be more than one

  31. If I get a SSI check and I’m married with my husband?? Will I get a check and I don’t know how much I will get for both of us ?? I need to know he don’t work or on anything !!!

  32. Hello, I haven’t had taxable income for the past two years. Regardless, I’ve ALWAYS filed a tax return. Although I haven’t filed yet for 2019 (from what I’ve read above) I should still receive the $1200. Is that correct? (Or should I go ahead and file my 2019 returns now ~ even though the deadline has been extended?)

    Thank you for keeping us updated!

  33. My ex-husband and I filed our 2018 taxes together and the IRS has his banking info for the stimulus check. He filed for divorce in 12/2019 and it will be final in June 2020 and we are no longer together as of 12/2019.. My question is, will the IRS know that I am now single and not married. Will the IRS send me a stimulus paper check?

    1. No. You need to file a status change or 2019 tax return with the IRS to ensure you get the stimulus payment.

  34. If you receive SSDI but do not have a bank account are they going to deposit funds via the direct express system?

  35. As of 4/5 SSI recipients will get a check, but they are working on not having to file with the IRS to get it, SSDI will automatically get a check based on the 1099 they get and do not need to do anything. SSI is not social security and it funded from general taxes and we receive no 1099. Hopefully they will get it taken care of so we don’t have to file, but the IRS is working on a web portal where we’d have to fill out a form and give them our direct deposit information.

  36. This article mention most working Americans and SSI/SSDI beneficiaries will receive the stimulus payment. Do non-working Americans with no SSI/SSDI and no income qualify for the stimulus payment? If they do, how do they apply for the stimulus payment since they are not filing any tax return?

    1. You should file a simple tax return. Or the IRS will soon have details on their site on how to apply for the payment manually. But that could delay getting your payment by several weeks

  37. I’m with you I recently used up my unemployment and was about to start working again got the offer letter then all this happed what in the world do we do

  38. when will we start receiving unemployment information about our already existing claim if you already getting UI about the new expansion of benefits and payment?

    1. If you receive SSDI but do not have a bank account are they going to deposit funds via the direct express system? n

      1. Social Security beneficiaries and other Americans who haven’t filed income taxes for the past two years won’t have to take any extra steps to receive one- time checks.  Treasury Secretary Steve Mnuchin said the IRS will use Social Security data to generate payments to recipients who did not file tax returns in 2018 or 2019. 

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