New stimulus check timeline now that Trump called to stop talks before election: We mapped it out

Do you know? Completely different teams will get their stimulus checks at totally different occasions.

Sarah Tew/PJDM

The date you would possibly obtain a second stimulus check is again up within the air after President Donald Trump abruptly called to put a stop to negotiations over the next stimulus bill till after the Nov. 3 elections. As Tuesday started, negotiators have been hopeful to succeed in a deal by the top of the week. The stimulus package is extensively considered obligatory to assist fight the financial results of the virus. Tuesday morning, Federal Reserve Chairman Jerome Powell mentioned there’s little danger of “overdoing it.

Tuesday afternoon Trump tweeted: “I’ve instructed my representatives to cease negotiating till after the election when, instantly after I win, we’ll go a serious Stimulus Invoice that focuses on hardworking Individuals and Small Enterprise.” Trump, now returned to the White House, continues to obtain treatment for COVID-19 that includes the steroid dexamethasone.

With the announcement, the timeline to go laws for a brand new aid package deal that features a $1,200 maximum per person payment and potentially new qualifications can be pushed again by at the very least a month to after the election and presumably into early 2021.

Passing a brand new coronavirus aid package deal that would come with another direct payment and other benefits is taken into account a essential transfer in an ongoing recession brought on by the pandemic. This presents two urgent questions: First, when a deal can be made, and second, how shortly the IRS might ship a brand new stimulus examine when and if a brand new package deal is finally set in movement.

As for the way quickly the IRS would possibly difficulty the stimulus funds — and who would get them first and final — now we have some educated guesses beneath in gentle of Trump’s announcement. We replace this story incessantly.

When the IRS might ship the primary checks now: Four eventualities

When and if one other stimulus examine occurs, Treasury Secretary Steven Mnuchin has said it could take a few week to course of the primary funds. “I can get out 50 million funds actually shortly. A variety of it into folks’s direct accounts,” he mentioned in August. 

We have speculated concerning the potential dates based mostly on the present state of affairs in Washington. Observe that not everybody will get a cost on the similar time. Hold studying to see how the totally different precedence teams shake out if a invoice turns into legislation following the Nov. Three election or after Inauguration Day on Jan. 20, 2021.

Attainable dates a second stimulus examine might exit

State of affairs 1 State of affairs 2 State of affairs 3 State of affairs 4
Home passes ultimate invoice Nov. 9 Nov. 23 Dec. 7 Jan. 22
Senate passes ultimate invoice Nov. 10 Nov. 30 Dec. 8 Jan. 23
President indicators Nov. 11 Dec. 1 Dec. 9 Jan. 24
First direct deposits despatched Week of Nov. 23 Week of Dec. 14 Week of Dec. 21 Week of Feb. 1
First paper checks despatched Week of Dec. 7 Week of Dec. 21 Week of Jan. 4 Week of Feb. 8
First EIP playing cards despatched Week of Dec. 28 Week of Jan. 5 Week of Feb. 1 Week of Mar. 8

Why some folks might get their checks earlier than others

The IRS has up to now despatched cash to at the very least 160 million people three other ways, beginning with individuals who filed for direct deposit. Some folks with extra difficult eventualities are still waiting for their checks and even for catch-up payments. This offers a de facto precedence order that might lead some to obtain their checks days and even weeks prior to others. We anticipate the IRS would undertake roughly the identical system for sending out the second stimulus examine.

Learn extraEstimate the size of your check with our stimulus calculator

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

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Subsequent stimulus checks: What to anticipate


Social Safety beneficiaries: With the primary stimulus cost, many Social Safety beneficiaries who had direct deposit data 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 these a few week later to folks with out direct deposit information on file. 

EIP card recipients: Economic Impact Payment debit cards are pay as you go Visa playing cards that the IRS despatched to round Four million folks 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.

Final group: Individuals who obtained checks after June are nonetheless ready to obtain their stimulus cost or did not know they need to complete an extra step. Direct funds will proceed via the top of 2020 for some people who weren’t a part of the earlier teams. This is what may very well be holding up the stimulus check delivery for some and how to contact the IRS to report a lacking, misplaced or stolen examine.

What is the longest you may need to attend in your examine?

Whereas we anticipate most individuals to get their cash sooner, if the primary spherical is any indication, it might nonetheless take months for the IRS to ship all of the checks. Six months after the primary stimulus funds went out, the federal company continues to be making an attempt to track down millions of people who could also be owed cash.

And even with the expertise of processing roughly 160 million funds within the IRS’ again pocket, some folks would most likely must clear a couple of hurdles to obtain their cash. Here are common roadblocks that held up the first stimulus check.


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

Angela Lang/PJDM

Just a few extra assets to assist out

In case you’re nonetheless ready on the primary spherical of funds, you may 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.

And listed here are assets about coronavirus hardship loans and unemployment insurance, what you can do if you’ve lost your job, what to know about evictions and late car payments, if you could receive two refund checks from the IRS and easy methods to take control of your budget.

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Clifford Colby