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NBC News

Jan 06, 2021
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If you're still waiting for your money, here's why your second stimulus check could be late (or never arrive).

The IRS has already started sending out second stimulus checks. If you're asking yourself "where's my stimulus check," the IRS has an online tool that will let you track your payment and learn whether it will be mailed or directly deposited in your bank account. The tool is called the "Get My Payment" portal.

Reasons your stimulus payment will be delayed:
  • You Have a New Bank Account, or You Have Recently Moved
  • You Didn't File a 2019 Tax Return, or The IRS Hasn't Processed Your 2019 Tax Return Yet
  • You're Not Eligible for a Second Stimulus Check
  • You Used TurboTax or H&R Block Software to File Your 2019 Tax Return

    Some people who used software from TurboTax or H&R Block to file their 2019 tax return might have to wait a little longer to receive their second stimulus check. That's because their payment is being deposited into an intermediary bank account that was used to process their 2019 tax refund. Those accounts are controlled by the software company. So, an extra step is required for you to get your money – the software company has to take the money out of the intermediary account and send it to you. But that takes some additional time.

    Your second stimulus check payment will be directly deposited into your bank account if the IRS has your bank information from:
    - Your 2019 federal income tax return (Form 1040)
    - The "Non-Filers: Enter Payment Info Here" tool used for first-round stimulus payments
    - The "Get My Payment" tool, if the information was provided before December 22, 2020
    - A federal agency that issued benefits to you (e.g., the Social Security Administration, Department of Veteran Affairs, or Railroad Retirement Board)

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