What to Do if You Still Haven’t Received the First Stimulus Check

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Yesterday afternoon, Senate Republicans unveiled the HEALS Act, their latest response to the ongoing coronavirus pandemic. As expected, the HEALS Act includes a provision for another round of $1,200 direct payments—similar to what the CARES Act offered. While the second stimulus check is a welcome relief, millions of eligible Americans may still be waiting for the first payment. If you qualify for a stimulus check—and still haven’t received the money—these are the steps you can take.

Track the status of your stimulus payment

If you know you qualify for a stimulus check, start by visiting the IRS website to track your payment. You can see your payment status and type by plugging in your Social Security number or Individual Tax ID Number, date of birth, street address (without the city), and zip code. If the payment will arrive by mail, you can sign up for Informed Delivery by USPS®—a free service that lets you know when to expect the payment.

“Need more information” status

According to the IRS, if the portal says “Need More Information,” the agency may still need your banking details. If the portal showed a payment date before and now says “Need More Information,” your payment may have been returned to the IRS. You can resolve both issues by entering your bank account details to receive your payment by direct deposit.  

Lost debit card payment

Some folks received payments via debit card and the IRS portal has labeled these senders as “Money Network Cardholder Services.” But, unfortunately, many people have tossed the discreet-looking envelope, thinking it was junk mail. You can still request a replacement by calling MetaBank® Customer Service at (800) 240-8100 (option 2), for a $7.50 fee. You can learn more about your debit card payment options here.

Call the IRS

If you need more assistance, you may try calling the IRS at (800) 829-1040. The agency recommends having your personal information handy: Social Security numbers, filing status, the prior year’s tax return, and any letters they have sent you.

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