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Stimulus check: what to do if I have not received a direct deposit?

Over 100 million individuals in America have been sent IRS Economic Impact Payments to help them cope with the financial effects of the coronavirus pandemic.

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The Internal Revenue Service (IRS) has been sending out out $1,200 Economic Impact Payments to millions of eligible Americans since April in a bid to help people in the US cope with the financial effects of the coronavirus crisis. As of 11 May, over $200 billion had been paid out in more than 100 million stimulus checks as part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act.

The Internal Revenue Service stated last week that eligible taxpayers have until noon Wednesday (13 May) to submit their direct deposit information via the agency’s “Get My Payment” tool to start the process mechanic for their payment and avoid having the money sent by mail as a check. Missing the set deadline will result in a paper check being delivered in late May or early June.

Deposit yet to arrive

There may be a number of reasons for the direct deposit yet to arrive in the claimants account with the following being possible motives.

No bank information held by IRS: With over 10 million American citizens not having a bank account this is a possible motive for no Economic Impact Payment and may see payment arriving via paper check in the mail.

Illegibility issues due to income: If a claimants adjusted gross income is greater than $99,000 or if your filing status was single or married filing separately or $136,500 for head of household or $198,000 if your filing status was married filing jointly, then you are not entitled to receive the stimulus payment.

Immigration issues: US citizens are eligible for the stimulus check payments with “legal permanent residents,” also known as green-card holders also entitled to receive the payment. Outstanding paperwork with the Department of Immigration may be a factor in the check yet to arrive. 

Debt issues: Despite debt-collection agencies claiming to be lenient given the difficult financial climate posted by the Covid-19 pandemic, collectors may not be aware that the funds in a positive account have been sourced by the IRS payments. 

See also:

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