When will there be another stimulus check? Our best guesses, and who might get it first

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

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US leaders need you to get a second stimulus check, that a lot is obvious. However when you will obtain it’s one other story. Even when Congress pulls collectively to cross a invoice of some kind, either standalone or a comprehensive package, earlier than the Nov. 3 election, it will nonetheless take time for the fee to come back to you. (The election is in 24 days, by the way in which.) 

What you won’t have recognized is that the IRS has had what quantities to completely different precedence teams when it is come to sending out the first stimulus payment — which is why tens of hundreds of thousands of individuals received their checks the primary potential week and hundreds of thousands of others are nonetheless ready (this is what to do when you’re one among them).

We created a timeline of when you could possibly realistically get your second check of up to $1,200, assuming you qualify, and the outcomes are sobering, particularly for individuals with extra difficult conditions who type the ultimate group. Learn on for a potential fee schedule that might provide you with an thought of how lengthy you’d have to attend, and a breakdown of those precedence teams.

This story was just lately up to date.

Dates the IRS might ship the checks

When and if one other stimulus examine is permitted, 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. Quite a lot of it into individuals’s direct accounts,” he mentioned in August. 

We have speculated concerning the potential dates based mostly on the present state of affairs in Washington, DC. Observe that not everybody will get a fee on the identical time. Maintain studying to see how the completely different precedence teams shake out if a invoice turns into regulation earlier than the Nov. Three election or after Inauguration Day on Jan. 20, 2021.

Doable dates a second stimulus examine might exit

Situation 1 Situation 2 Situation 3 Situation 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 individuals could get their cash faster than others do

The IRS has to this point 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 information 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 data on file with the federal authorities obtained checks within the first week, although not all the time the primary day.

Individuals who get paper checks: The IRS started to mail checks a couple of 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 might start to see their checks weeks after the primary direct deposit transfers exit.

Final group: Individuals who obtained 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 way of the tip of 2020 for some people who weren’t a part of the earlier teams. This is what might 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 might have 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 remains 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 must clear a number of hurdles to obtain their cash. Here are common roadblocks that held up the first stimulus check.


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

Angela Lang/PJDM

Just a few extra assets to assist out

When 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 potential 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 the best way to take control of your budget.

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Clifford Colby