Want your second stimulus check faster? Do these things now, not later

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Velocity up your fee by ensuring you’ve got every thing so as earlier than a second stimulus invoice is handed.

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With the election behind us, there’s nonetheless hope for a second stimulus check to pass earlier than the top of the 12 months, and earlier than President-elect Joe Biden’s Jan. 20 inauguration. Till Congress can agree on a final version of a bill, we can’t know if it will comprise a second stimulus check of up to $1,200, who would qualify or would not be eligible to receive it. We additionally do not know when that payment would get sent out. However there are a number of issues you must examine on within the meantime in order that if and when a second payment is approved, you can get it as rapidly and simply as doable. 

Should you changed your address or banking standing, did not file a tax return in 2018 or 2019, or have excellent child support payments — it is doable that your second stimulus examine could possibly be slowed down. Right here are some things you must look to repair earlier than a invoice will get handed. (You may as well take a look at PJDM’s guides on how stimulus checks work if you receive SSI or SSDI, if you have dependents and if you’re over age 65 or retired. And you need to use our instrument to help you calculate how much stimulus money you could get.) 

Change your tackle with the IRS when you moved

Should you moved to a brand new tackle after submitting your 2019 tax return (or any time in the course of the coronavirus pandemic), it’s essential do two issues to ensure your stimulus examine can attain you by mail: tell the USPS where you went, and inform the IRS as well

It’s essential to do that even when your new location is momentary — you’ll be able to all the time replace it when you transfer once more. Even when your first examine got here through direct deposit (which suggests your second examine probably would, too), you continue to wish to be certain that your tackle is up to date so that you just obtain the IRS’ letter verifying when it despatched your fee. If the letter arrives, however your funds don’t, you’d know you’ve got a difficulty to resolve.

To vary your tackle with USPS, go to To take action with the IRS, you’ve got three choices: fill out Form 8822, change your address by phone, or notify the IRS in writing at “the tackle the place you filed your final return” by giving your full identify, your previous and new addresses, your Social Safety quantity, particular person taxpayer identification quantity or employer identification quantity, and your signature. (Discover extra detailed directions on how to change your address to receive your stimulus check here.)

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Subsequent stimulus checks: What to anticipate


Replace your banking standing

In case your banking standing adjustments, it might maintain up receipt of your stimulus fee. Black Individuals and different individuals of coloration usually tend to be “unbanked” than white Individuals, based on an analysis by the suppose tank Urban Institute. Individuals who establish as white and whose incomes had been above the poverty line had been extra more likely to have acquired their first stimulus examine by the top of Might than individuals who establish as Black, Hispanic or under the poverty line, the evaluation discovered, as a result of the first wave of payments went to individuals who had their checking account info on file with the IRS. 

A number of giant banks, together with Financial institution of America, JPMorgan Chase and Wells Fargo, now supply extra inexpensive checkless bank accounts as a part of a government-backed effort to assist individuals enter the banking system. 

A second examine is more likely to arrive the identical means a primary examine did. Should you’re an individual with no checking account and your first fee got here within the mail, both by examine or EIP card, a second is more likely to are available the identical means. 

Contemplate signing up for direct deposit 

Should you do have a financial institution, you need to use the IRS Get My Payment on-line service to arrange direct deposit to your stimulus fee, in addition to discover out the standing of your examine and see if anything is holding the payment up. The deadline to sign up for direct deposit for your first check has handed, however would probably reopen when and if a second examine occurs. 


Holding your youngster help funds on time will make it extra probably that you just hold your entire stimulus examine.

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Did not file taxes in 2019 or 2019? Fill out this IRS kind

Individuals who earned under the brink to be required to file federal earnings tax returns in 2018 or 2019 didn’t get a stimulus examine except they completed an online nonfilers form for the IRS (this group contains low-income households with kids and a disproportionate variety of Black individuals and other people of coloration). 

In case your first examine is still missing, you must fill out that form before Nov. 21 at 12 p.m. PT/3 p.m. ET to assert your lacking cash — or missing money for your dependents, when you solely acquired a partial examine — with the intention to get the fee earlier than tax season 2021. (You possibly can use our calculator tool to estimate how much you may have been eligible to receive.) You must also fill out the nonfilers kind in order that the IRS has your info on file if a second examine is accepted.

Handle youngster help funds

Should you owe greater than $150 in overdue child support (known as arrears), your state could reserve the appropriate to garnish some or all of your first stimulus check, based mostly on how a lot you owe. This may probably be the case if a second stimulus examine is handed, too. If doable, you must pay any overdue youngster help as rapidly as you’ll be able to to be sure you get your full stimulus examine, in addition to presumably fee to your youngster. 

Should you’re owed youngster help, chances are you’ll obtain cash garnished out of your kid’s different guardian, although it might take some time to get to you after it’s processed by the state. Discover out extra about how child support impacts stimulus checks here


Are all of your affairs so as earlier than a brand new examine is set? Now’s the time to behave.

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Get your tax paperwork so as 

Should you missed the extended deadline to file your 2019 taxes (which was on Oct. 15), you’ll be able to nonetheless file late. There is no penalty for doing so when you’re owed a refund, however when you owe the IRS cash, you will have penalties and curiosity for any remaining unpaid tax due beginning on July 16, 2020, together with a $300 failure-to-file penalty. 

Nonetheless, when you owe federal taxes or produce other federal money owed, the IRS won’t cut back your stimulus fee to cowl these — the one exception being when you owe youngster help. 

Once more, if you weren’t required to file a 2018 or 2019 tax return since you had been below the income limit of $12,200 when you’re beneath age 65, you must use the IRS nonfilers instrument by Nov. 21 to assert a lacking fee. 

For many who do file taxes however miss the nonfilers tool deadline, after Nov. 21, you’ll be able to declare your fee in your 2020 tax return subsequent 12 months. (Essential caveat: Should you did file a 2019 tax refund, even when you weren’t required to take action, do not use the nonfilers instrument — it will simply decelerate the processing of your return and any refund.)

Triple-check that you just’re eligible 

Not everyone will be eligible for a second stimulus check. The final {qualifications} for receiving a primary stimulus examine beneath the March CARES Act would probably maintain true for a second.

Here is who certified for the primary spherical, based on your total income in your 2018 or 2019 taxes:

  • Should you’re a single filer and earn lower than $99,000
  • Should you file as the top of a family and earn beneath $146,500
  • Should you file collectively along with your partner and earn lower than $198,000

Nonetheless, there are lots of exceptions and guidelines relying in your state of affairs (you could find a extra detailed list of stimulus check qualifications here). Discover out what your stimulus examine might seem like if you receive SSI or SSDI, if you have dependents, if you’re a young adult or if you’re over age 65 or retired. And you need to use our instrument to help you calculate how much stimulus money you could get

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Alison DeNisco Rayome