How fast could you get a second stimulus check, now that Biden is president-elect?

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The IRS despatched the primary stimulus verify to totally different teams first.

Angela Lang/PJDM

On Jan. 20, Joe Biden is anticipated to be inaugurated because the 46th US president, after profitable sufficient electoral votes on Saturday morning to turn out to be president-elect. However we nonetheless do not know what that would imply for Congress’ timeline to pass and send out a second stimulus check of up to $1,200 per qualified adult. (P.S. This is who the IRS consider an adult.)

Democratic and Republican lawmakers are anticipated to restart negotiations on a stimulus relief bill as quickly as this week, because the Senate returns from recess Monday and the Home of Representatives follows on Nov. 16. Biden has his own stimulus plan that features direct funds as effectively, however at this level it does not specify what number of or for a way a lot, or if any of the qualifications would change.

As soon as a remaining invoice is permitted, the IRS would possible ship out stimulus funds over a number of months. The best way that your spending (or savings) cash involves you — direct deposit, paper verify or through an EIP card — could play a task in how lengthy it’s a must to look forward to it. If it operates just like the first stimulus check, some individuals will wait weeks or even months and not every adult will be eligible.

Under, we clarify how the IRS creates precedence teams with totally different cost timelines and map out some potential dates. Use our stimulus calculator to estimate your doable future cost. We replace this story regularly.

When would possibly a brand new stimulus verify arrive: Our present guesses 

These dates, that are speculative, present you once you would possibly see a verify — if a invoice turns into legislation after the Nov. Three election and earlier than or after Inauguration Day on Jan. 20, together with Dec. 11, the deadline for Congress to pass the next federal budget.

Learn extraNobody can take your stimulus check away, right? Not quite

One vital notice is the velocity at which the primary checks would possibly arrive. In August, Treasury Secretary Steven Mnuchin mentioned it could take a few week to course of the primary funds. “I can get out 50 million funds actually shortly. Lots of it into individuals’s direct accounts,” he said

However that does not essentially imply your stimulus cash will arrive every week after a invoice goes stay.

Doable dates a second stimulus verify might exit

Situation 1 Situation 2 Situation 3 Situation 4
Home passes remaining invoice Dec. 11 Feb. 1 Mar. 1 Apr. 5
Senate passes remaining invoice Dec. 12 Feb. 2 Mar. 2 Apr. 6
President indicators Dec. 13 Feb. 3 Mar. 3 Apr. 7
First direct deposits issued Week of Dec. 28 Week of Feb. 8 Week of Mar. 8 Week of Apr. 12
First paper checks despatched Week of Jan. 11 Week of Feb. 16 (Feb. 15 is President’s Day) Week of Mar. 15 Week of Apr. 19
First EIP playing cards despatched Week of Feb. 8 Week of Mar. 15 Week of Apr. 12 Week of Might 10

Why cannot the IRS simply ship all stimulus checks without delay?

The IRS has thus far despatched cash to a minimum of 160 million people 3 ways, beginning with individuals the federal authorities has direct deposit info for. Some individuals with extra sophisticated private conditions are still waiting for their checks and even for catch-up payments. This creates a de facto precedence order that would lead to some People receiving their checks days and even weeks earlier than others. 

Learn extraEstimate the size of your check with our stimulus calculator

The IRS has mentioned it might probably ship 5 million to 7 million paper stimulus checks every week, beginning with people whose AGI (Adjusted Gross Revenue) is lower than $20,000 after which shifting to individuals whose AGIs are progressively bigger, based on the Government Accountability Office.

We count on the IRS will undertake roughly the identical system for sending out a second stimulus verify in 2020 or 2021 because it did with the first stimulus check, which was approved in March as a part of the CARES Act.

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Subsequent stimulus checks: What to anticipate


Direct deposit recipients: Individuals who have already got their direct deposit information on file with the IRS or who present that data when and if registration opens once more must be first in line to obtain a stimulus verify. An digital switch of funds is quicker and extra environment friendly, which is why this group largely acquired their first cost sooner.

Social Safety beneficiaries: With the primary stimulus cost, many Social Safety beneficiaries who had direct deposit info on file with the federal authorities obtained checks within the first week, although not at all times the primary day.

Individuals who get paper checks: The IRS started to mail checks a few week later to these with out direct deposit information on file. 

EIP card recipients: Economic Impact Payment debit cards are pay as you go Visa playing cards the IRS despatched to about Four million individuals beginning in mid-Might. If the IRS follows the identical cost precedence order, this group might start to see their checks weeks after the primary direct deposit transfers exit.

Individuals with extra advanced conditions: This class consists of individuals who obtained a verify after June, are nonetheless ready to obtain their stimulus cost or who didn’t know they need to complete an extra step. Direct funds will proceed by way of the top of 2020 for some people who weren’t a part of the earlier teams. This is what could possibly be holding up the stimulus check delivery for some and how to contact the IRS to report a lacking, misplaced or stolen verify.

Tens of millions of individuals are nonetheless ready to get their first verify  

Whereas over 160 million People have obtained their stimulus checks, the IRS continues to be attempting to track down millions of people who could also be owed cash, together with for dependents.

In the event you suppose this case applies to you, you could possibly declare your lacking verify by Nov. 21. This consists of people who didn’t receive $500 allotted for their dependents, some individuals who are involved in child-support situations and non-filers who could also be owed a stimulus verify (together with older adults or individuals who receive SSI or SSDI). In any other case, you could want to say a catch-up cost or error adjustment as a part of your 2020 federal tax return.


There’s hope that the IRS might velocity up supply of a second verify, if it is approved.

Angela Lang/PJDM

In the event you’re a US citizen abroad or live in a US territory and did not obtain a verify as anticipated, you might also want to research. And a brand new ruling in California could deliver hope for people who are incarcerated and did not obtain the primary stimulus verify — or who obtained it and had been compelled to return the cash.

In the event you’re nonetheless ready on the primary spherical of funds, you possibly can track the status of your stimulus check, study how to report your no-show check to the IRS and discover doable reasons why your stimulus check still hasn’t arrived. The IRS has mentioned it’s going to proceed to ship funds by way of Dec. 10, 2020, according to the GAO.

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Clifford Colby