We map out when a second stimulus check could come after the election

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

Sarah Tew/PJDM

Might you continue to get extra federal stimulus cash this yr? President Donald Trump threw negotiations for a second stimulus check into query on Tuesday with two contradictory directives issued not from government motion, however on Twitter.

Trump, who is currently being treated for COVID-19, abruptly called to put a stop to negotiations over the next stimulus bill till after the Nov. 3 election. Afterward Tuesday, the president’s account tweeted the polar reverse, indicating that he would signal a standalone invoice for stimulus checks for $1,200.

The stimulus package — which includes more aid than just a check — is broadly thought to be obligatory to assist fight the economic effects the virus has taken on the country. Hours earlier than Trump’s first announcement Tuesday morning, Federal Reserve Chairman Jerome Powell stated there’s little danger of “overdoing it” on the subject of injecting money into the financial system.

Even when a standalone invoice authorizing extra stimulus cash does go, Trump’s erratic missives delay the timeline to ship a $1,200 maximum per person payment. Learn on for our newest projections on how quickly the IRS may subject a test after the Nov. Three election. We commonly replace this story.

When the IRS may now ship the primary checks

When and if one other stimulus test occurs, Treasury Secretary Steven Mnuchin has said it might take a couple of week to course of the primary funds. “I can get out 50 million funds actually shortly. Loads of it into individuals’s direct accounts,” he stated in August. 

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

Potential dates a second stimulus test may exit

Situation 1 Situation 2 Situation 3 Situation 4
Home passes ultimate invoice Nov. 9 Nov. 23 Dec. 7 Feb. 1
Senate passes ultimate invoice Nov. 10 Nov. 30 Dec. 8 Feb. 2
President indicators Nov. 11 Dec. 1 Dec. 9 Feb. 3
First direct deposits despatched Week of Nov. 23 Week of Dec. 14 Week of Dec. 21 Week of Feb. 8
First paper checks despatched Week of Dec. 7 Week of Dec. 21 Week of Jan. 4 Week of Feb. 15
First EIP playing cards despatched Week of Dec. 28 Week of Jan. 5 Week of Feb. 1 Week of Mar. 15

Why some individuals may get their checks earlier than others

The IRS has up to now despatched cash to no less than 160 million people three alternative ways, beginning with individuals who filed for direct deposit. Some individuals with extra difficult eventualities are still waiting for their checks and even for catch-up payments. This provides a de facto precedence order that might lead some to obtain their checks days and even weeks ahead of others. We anticipate the IRS would undertake roughly the identical system for sending out the second stimulus test.

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 test. 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 data 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 couple of week later to individuals 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 individuals beginning in mid-Could. If the IRS follows the identical cost precedence order, this group may 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 the top of 2020 for some people who weren’t a part of the earlier teams. Here 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 test.

What is the longest you may need to attend to get your test?

Whereas we anticipate most individuals to get their cash sooner, if the primary spherical is any indication, it may nonetheless take months for the IRS to ship all of the checks. Six months after the primary stimulus funds went out, the federal company remains 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 individuals would in all probability 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 may velocity up supply of a second test, if it is approved.

Angela Lang/PJDM

A number of extra assets to assist out

Should you’re nonetheless ready on the primary spherical of funds, you possibly can 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 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 learn how to take control of your budget.

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Clifford Colby