Second stimulus check: What we know about the timeline now

Do you know? Totally different teams will get their stimulus checks at completely different instances.

Sarah Tew/PJDM

Is there nonetheless an opportunity you might get a second stimulus check this yr, and if that’s the case, which dates are probably the most believable? Though President Donald Trump — who is currently being treated for COVID-19 — actually desires to issue checks up to $1,200 earlier than the Nov. Three election, the timeline is murky, with the state of affairs quickly shifting. 

Trump threw negotiations for another payment into query on Tuesday by first canceling talks after which restarting them, however with standalone payments in thoughts as a substitute of a sweeping package to address larger economic woes.

Speaker of the Home Nancy Pelosi is not concerned with a standalone invoice to situation stimulus checks, Bloomberg reported, which might additional delay sending a examine to the roughly 160 million people projected to qualify.

Even when a standalone invoice authorizing extra stimulus cash does go, Trump’s erratic missives have launched extra uncertainty within the timeline. We consulted the calendar and mapped out 4 doable dates the IRS might situation a examine earlier than and after the Nov. Three election. We commonly replace this story.

When the IRS might now ship out the primary checks

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. Lots of it into folks’s direct accounts,” he mentioned in August. 

We have speculated in regards to 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. Preserve studying to see how the completely different precedence teams shake out if a invoice turns into legislation earlier than the Nov. Three election or after Inauguration Day on Jan. 20, 2021.

Potential 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 closing invoice Oct. 19 Nov. 23 Dec. 7 Feb. 1
Senate passes closing invoice Oct. 20 Nov. 30 Dec. 8 Feb. 2
President indicators Oct. 21 Dec. 1 Dec. 9 Feb. 3
First direct deposits despatched Week of Nov. 9 Week of Dec. 14 Week of Dec. 21 Week of Feb. 8
First paper checks despatched Week of Nov. 23 Week of Dec. 21 Week of Jan. 4 Week of Feb. 15
First EIP playing cards despatched Week of Dec. 14 Week of Jan. 5 Week of Feb. 1 Week of Mar. 15

Why some folks will get their checks before others

The IRS has to this point despatched cash to at the 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 would lead some to obtain their checks days and even weeks before others. We count on that 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 must 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 received 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 info on file with the federal authorities acquired checks within the first week, although not all the time the primary day.

Individuals who get paper checks: The IRS started to mail these a few week later to folks with out direct deposit knowledge 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-Could. 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 acquired 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 by means 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 examine.

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

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 most likely must clear just a few hurdles to obtain their cash. Here are common roadblocks that held up the first stimulus check.


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

Angela Lang/PJDM

A couple of extra assets to assist out

In the event you’re nonetheless ready on the primary spherical of funds, you may track the status of your stimulus check, be taught how to report your no-show check to the IRS and discover doable reasons why your stimulus check still hasn’t arrived.

And listed below 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 tips on how to take control of your budget.

#stimulus #examine #timeline


Clifford Colby