When could a second stimulus check possibly arrive? We mapped out 4 timelines for 2020

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

Sarah Tew/PJDM

The Home of Representatives passed a new stimulus bill on Thursday… however what does that imply? It is onerous to say. The Home’s strikes run parallel to the continuing negotiations between Home Speaker Nancy Pelosi and Treasury Secretary Steven Mnuchin to achieve an agreement on a new stimulus bill that features a fee of up to $1,200 per individual. What’s extra, the Home is ready to recess after Friday. 

Earlier than that occurs, Pelosi and Mnuchin are anticipated to renew talks on Friday. On MSNBC, Pelosi struck an optimistic tone, saying, “We’ll discover the center floor.”

In the meantime, President Trump and First Girl Melania Trump tested positive for COVID-19. Whether or not that may have any influence on the destiny of the invoice is unknown at this level. 

So if a brand new stimulus invoice is handed that features a new direct payment for qualified individuals and families (together with money that counts toward dependents) what’s the earliest you would obtain it? (Keep in mind that we will not know for certain if and when that may occur.)

The timeline retains shifting in response to the maneuvers in Washington. And whereas we do not know for sure (the place’s that crystal ball whenever you want it?) we will guess at a few of the dates when a verify may materialize if a deal goes by way of.

Listed here are 4 separate timelines for when the IRS may doubtlessly start to ship funds to totally different teams (based mostly on our greatest guesses) and who might get precedence. You may also get an estimate on your particular state of affairs through the use of PJDM’s stimulus calculator. This story updates typically.

IRS schedule to probably ship the primary checks — this may change

When and if one other stimulus verify occurs, Treasury Secretary Steven Mnuchin has said it could take a few week to orchestrate the primary funds. “I can get out 50 million funds actually shortly. Loads of it into folks’s direct accounts,” he stated.

We have speculated potential dates based mostly on calendars from the House of Representatives and the Senate, and likewise based mostly on Pelosi’s vow to maintain her chamber in session until a deal is reached. Not each particular person will get their verify on the identical time — hold studying under for a way the totally different precedence teams shake out.

Observe that, even when an settlement is reached by the top of Friday, it should nonetheless take time to hash out the main points and draft new laws to arrange for a vote, first in a single chamber (the Home, for instance) after which within the different.

Potential dates a second stimulus verify may exit

State of affairs 1 State of affairs 2 State of affairs 3 State of affairs 4
Home passes remaining invoice Oct. 5 Oct. 9 Dec. 1 Dec. 7
Senate passes remaining invoice Oct. 6 Oct. 13 (Oct. 12 is Columbus Day) Dec. 2 Dec. 8
President indicators Oct. 7 Oct. 14 Dec. 3 Dec. 9
First direct deposit despatched Week of Oct. 12 Week of Oct. 19 Week of Dec. 7 Week of Dec. 14
First paper checks despatched Week of Oct. 19 Week of Oct. 26 Week of Dec. 14 Week of Dec. 21
First EIP playing cards despatched Week of Nov. 9 Week of Nov. 16 Week of Jan. 11 Week of Jan. 18

Why some folks will get their checks quicker than others

The IRS has thus far despatched cash to not less than 160 million people three other ways, beginning with individuals who filed for direct deposit. Some folks with extra sophisticated situations are in reality still waiting for their checks and even for catch-up payments. This shakes out right into a de facto precedence order that might lead some to obtain their checks days and even weeks prior to others. We count on the IRS would hold roughly the identical system for sending out the second stimulus verify.

Direct deposit is quickest: Individuals who have already got their direct deposit information on file with the IRS or accomplish that when and if registration opens once more must be first in line to obtain their stimulus verify. An digital switch of funds is quicker and extra environment friendly, which is why this group largely received their first verify 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 their 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 fee precedence order, this group may start to see their checks weeks after the primary direct deposit transfers exit.

Final group: Anybody who acquired their checks after June, continues to be ready to obtain their stimulus fee or did not know they need to fill out an extra step. Direct funds will proceed by way of 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 verify.

What is the longest I may watch for a verify?

Whereas we count on the majority of 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 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 would most likely have to clear just a few hurdles to obtain their cash. Listed here are widespread bumps that held up the first stimulus check for some.


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

Angela Lang/PJDM

A couple of extra sources to assist

Should 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 attainable reasons why your stimulus check still hasn’t arrived.

And listed below 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 could receive two refund checks from the IRS and tips on how to take control of your budget.

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Clifford Colby