When will the IRS send another stimulus check? Our best guess, and who might get it first

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

Sarah Tew/PJDM

There’s nonetheless a path to probably approve a second stimulus check, both earlier than or after the Nov. 3 election, and both by standalone laws or as a part of a comprehensive economic relief package. However even when a deal comes collectively, it would nonetheless take time for the fee to come back to people who qualify.

The IRS despatched out the first stimulus payment in waves based on predetermined precedence teams, so a second stimulus fee would probably be dealt with in the identical manner. We created a attainable fee schedule that maps out the place you’d fall within the pecking order and when precisely your second check of up to $1,200 may arrive.

We often replace this story because the timeline shifts.

Listed here are dates the IRS may ship the checks

When and if one other stimulus examine is authorised, Treasury Secretary Steven Mnuchin has said it will take a few week to course of the primary funds. “I can get out 50 million funds actually rapidly. Loads of it into individuals’s direct accounts,” he mentioned in August. 

We have speculated concerning the potential dates primarily based on the present state of affairs in Washington, DC. Word that not everybody will get a fee on the identical time. Preserve studying to see how the totally 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.

Attainable dates a second stimulus examine may exit

State of affairs 1 State of affairs 2 State of affairs 3 State of affairs 4
Home passes remaining invoice Oct. 26 Nov. 23 Dec. 7 Feb. 1
Senate passes remaining 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 some individuals could get their cash faster than others do

The IRS has thus far despatched cash to at the least 160 million people three alternative ways, beginning with individuals who filed for direct deposit. Some individuals with extra difficult situations 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 examine 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 ought to be first in line to obtain a stimulus examine. An digital switch of funds is quicker and extra environment friendly, which is why this group largely received 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 information 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 individuals beginning in mid-Might. 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: 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 the tip 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 examine.

What is the longest you could have to attend to on your examine?

Whereas we count on 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 continues to be attempting 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 have to clear a couple of 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 examine, if it is licensed.

Angela Lang/PJDM

Just a few extra assets to assist out

In case you’re nonetheless ready on the primary spherical of funds, you possibly can 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 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 how one can take control of your budget.

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Clifford Colby