Second stimulus check: How soon the IRS could send it if a new bill passes before Nov. 3

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

Sarah Tew/PJDM

Both earlier than or after the Nov. 3 election, the White House and Congress are nonetheless dedicated to approving one other economic rescue package that features a second stimulus check. Federal help is taken into account crucial in stabilizing the economy, which faces greater than 25 million people collecting unemployment benefits and practically 5 million people in danger of long-term or permanent job loss over the following two months. 

But when a brand new direct fee of as much as $1,200 per person (and potentially more for families) goes out, how quickly might qualifying individuals realistically count on to obtain it? It is also necessary to know that — primarily based on the primary spherical of checks despatched by the IRS and Treasury Division — not everybody will get their funds on the identical time, some having to attend weeks longer than these within the first wave. 

We have mapped out roughly 5 teams that the IRS seems to have used to construction how and when the first stimulus payments have been delivered. We assist you determine which group you would land in and what which means for when you would see your verify. This story updates steadily.

What are the dates the IRS might ship my verify?

Treasury Secretary Steven Mnuchin has said it might take a few week to course of the primary funds, when and if one other stimulus verify is signed into regulation. “I can get out 50 million funds actually rapidly. A number of it into folks’s direct accounts,” he mentioned in August. 

We have speculated some potential dates if a invoice turns into regulation earlier than the Nov. Three election or after Inauguration Day on Jan. 20, 2021, primarily based on present negotiations in Washington. Preserve studying for extra info on these precedence teams. 

Potential dates a second stimulus verify might exit

Situation 1 Situation 2 Situation 3 Situation 4
Home passes closing invoice Oct. 26 Nov. 23 Dec. 7 Feb. 1
Senate passes closing invoice Oct. 27 Nov. 30 Dec. 8 Feb. 2
President indicators Oct. 28 Dec. 1 Dec. 9 Feb. 3
First direct deposits despatched Week of Nov. 16 Week of Dec. 14 Week of Dec. 21 Week of Feb. 8
First paper checks despatched Week of Nov. 30 Week of Dec. 21 Week of Jan. 4 Week of Feb. 15
First EIP playing cards despatched Week of Dec. 21 Week of Jan. 5 Week of Feb. 1 Week of Mar. 15

Why would some folks get their cash faster than me?

The IRS has thus far despatched cash to at the very least 160 million people three alternative ways, beginning with individuals who filed for direct deposit. Some folks with extra sophisticated eventualities are still waiting for their checks and even for catch-up payments. This creates a de facto precedence order that might lead some Individuals to obtain their checks days and even weeks earlier than others. We count on the IRS will undertake roughly the identical system for sending out a second stimulus verify in 2020 because it did with the first stimulus check, which was approved in March.

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 present that data when and if registration opens once more needs to 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 bought their first fee quicker.

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Subsequent stimulus checks: What to anticipate


Social Safety beneficiaries: With the primary stimulus fee, many Social Safety beneficiaries who had direct deposit info on file with the federal authorities acquired 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 knowledge 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 folks beginning in mid-Could. If the IRS follows the identical fee precedence order, this group might start to see their checks weeks after the primary direct deposit transfers exit.

Final group: Individuals who acquired checks after June are nonetheless ready to obtain their stimulus fee or did not know they need to complete an extra step. Direct funds will proceed by means of the top of 2020 for some people who weren’t a part of the earlier teams. Here 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.

How lengthy would I’ve to attend for my verify?

Whereas we count on 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 in all probability have to clear a number 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 verify, if it is approved.

Angela Lang/PJDM

The place can I discover extra sources to assist?

If you happen to’re nonetheless ready on the primary spherical of funds, you’ll be able to track the status of your stimulus check, study how to report your no-show check to the IRS and discover attainable reasons why your stimulus check still hasn’t arrived.

And listed here are sources 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 happen to might obtain two refund checks from the IRS and find out how to take control of your budget.

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Clifford Colby