The IRS is reportedly sending out 5 million paper stimulus checks per week. At that pace, some checks might not arrive for months. Thus, that means that it’s going to take a while for them to crank out a paper check for the tens of millions of Americans who are scheduled to get one in their mailbox.
If your stimulus payment isn’t deposited directly into your bank account, the IRS will send you a paper check in the mail. The IRS’s plan is to first get paper stimulus checks to the people who need them the most. As a result, the lower your income, the sooner you’ll get your money. Besides, that also means that people with higher incomes will get their check later. Those who earn above US$190,001 will have to wait until September.
However, the IRS is already mailing stimulus checks to people receiving Social Security or Railroad Retirement Board (RRB) benefits. Unless you filed a tax return for 2018 or 2019, the IRS will use information from the Social Security Administration (or RRB) to calculate your payment. Then, automatically, they will deliver payment to you.
On stimulus checks and late delivery
These non-filers will receive their payment by direct deposit, debit card, or paper check, i.e., whichever way they normally receive government benefits. Similar rules apply to people receiving veterans’ benefits or Supplemental Security Income (SSI). However, payments won’t go out to these people until mid-May. At least if they didn’t file a 2018 or 2019 tax return.
The government already scheduled you to get an electronic payment if you signed up for a direct deposit of a refund on your 2018 or 2019 tax return. In most other cases, you’re probably going to get a paper check. However, even if you are, you still might be able to sign up for the direct deposit.
If you filed a 2018 or 2019 federal income tax return but didn’t sign up for direct deposit (or didn’t get a refund), go to the IRS’s “Get My Payment” portal and see if it isn’t too late to provide your bank account information to get an electronic payment.
For more information, see Where’s My Stimulus Check? Use the IRS’s “Get My Payment” Portal to Find Out. If you’re not required to file a tax return, go to the IRS’s “Non-Filers: Enter Payment Info Here” tool to supply the IRS with the information it needs to process your payment.
You generally don’t need to use the non-filers tool if you receive any of the government benefits listed above. If your stimulus payment isn’t deposited directly into your bank account, the IRS will send you a paper check in the mail. They’ve already started sending out paper checks, so you could get stimulus checks at any time now.