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IRS Portal to Get Stimulus Checks Direct Deposited

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  • J.K.Logic
    2020-04-10 01:55:20 PM
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    There are two IRS portals for setting up direct deposit to get your Economic Impact Payments (stimulus checks) sent directly into your bank account. One is for people that don't normally have to file, and the other is for tax filers that don't already have direct deposit info on file with the IRS.

    If you don't have a bank account or prefer a check in mail for whatever reason, you can still use either portal to ensure they have your current mailing address. Also, the portals will allow for you to check your payment status, update your bank info and change your address if necessary. All in an effort to get you your stimulus check as quickly as possible.

    Going to explain both portals in this tread. Post any questions below.

    1) Non-Filers: Enter Your Payment Info Here

    This portal went live 4/10/2020. You should use this portal if you did not have to file a 2018 or 2019 federal income tax return because you made too little or otherwise weren't required to file for 2018 and 2019. This is an alternative option to the TurboTax portal.

    Also, no action is required for Social Security, SSDI, SSI and RRB and Survivor benefit recipients. They will use info already on file and direct deposit stimulus money automatically. BUT if you are receiving these benefits and have qualifying children under the age 17 you must fill out this info to get the additional $500/child.

    2) Filers: Get Your Payment

    This portal is live now. You can use it by clicking the 'Get My Payment' button.

    Use this portal if you are a normal tax filer and know the IRS does not have your direct deposit info on file. This applies to anyone that had to pay taxes and didn't receive a direct deposit return the last few years. They won't have your bank info on file unless you gave it to them when you filed recently in expectation of a direct deposit refund. Or just anyone that didn't use direct deposit for tax refunds for 2018 or 2019 for whatever reason.

    Also this portal will allow you to check your payment status and confirm your payment type (direct deposit or paper check in the mail). And if you need to change your address, you can also do so on that page.

    You will need to have this information handy when you gain access to the portal:

    • Name and address
    • Banking account info (account number and routing number)
    • Tax information of your most recent filing (either 2018 or 2019).
      • You'll need your AGI, which is your adjusted gross income. And you will also need to know exactly how much your refund for that year was, or how much you owed exactly. So best to have your tax return on hand, or at least those pieces of info.

    UPDATE on Filers 'Get My Payment' Portal, 4/24/2020:
    I haven't filed my 2019 yet. Only 2018. And I didn't provide bank info on 2018 either, as I owed. I have tried using the portal most every day to check my status since it went live, and it always told me my status wasn't available. I had assumed this was because the portal only worked for 2019 filers, as to this point that's what the IRS page seemed to say.

    Well, I just tried it again after waiting a few days and now it found me and allowed me to successfully add my bank info for direct deposit, even though I still haven't filed for 2019 yet, only 2018.

    So this is good news. Maybe they just did a good update or something. Would recommend waiting at least 25 hours in between checking the portal, as that might mess up your status updates. But I would try checking again after that to see if anything changes for you. No official update on their site about this yet.

  • JFoster
    2020-04-10 02:51:30 PM
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    Thanks a bunch for posting this. I'm sure both will see a lot of traffic. I'm hoping their servers hold up to the sheer volume of people registering to get their checks. Are they sending one or two checks? Do they have a limit on how many children you can claim? Also, is there a time limit or due date for registering through these portals (you must submit/update your info by this date sort of thing)?
  • J.K.Logic
    2020-04-10 03:08:45 PM
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    JFoster Wrote: Are they sending one or two checks?

    It looks like they will be sending/depositing one check per qualifying adult. And then $500/child for dependents that adult claims. That's my understanding. Will know more once the portal opens and we can check our check statuses.

    JFoster Wrote: Do they have a limit on how many children you can claim?

    There is no limit. Here's a good exert on this:

    Is there a limit to the number of dependents who can qualify for the stimulus payment?

    There is no limit to the number of dependents who can qualify for the additional $500 in one household. Any child who meets the requirements is eligible and can receive the payment.

    For example, if you have ten dependents under age 17 with valid social security numbers, you will receive an additional $5,000 on your stimulus payment.

    JFoster Wrote: Also, is there a time limit or due date for registering through these portals (you must submit/update your info by this date sort of thing)?

    No time limit. Setting up direct deposit speeds up the process greatly, so you don't have to wait on a paper check in the mail. But you don't have to use these portals if you filled your 2018 or 2019 taxes already and are in no rush to get the money. Just know that it could take up to early September to get a paper check in the mail.

    Also, there is no reported time limit in general for those that need to give the IRS there info. I know for a fact its through December of 2020, but I believe its indefinite. This stimulus money is earmarked for you and does not come with an expiration date.

  • JaredS
    2020-04-10 04:16:25 PM
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    I'm so glad to see they have rolled out this new tool because I'm sure a lot of people who don't already have direct deposit never in a million years thought that it would be as important as it is right now.

    I still worry about the poorest among us who don't have a bank account and cash their checks at stores like Kroger or WalMart. What's sad is this is the demographic who likely needs their check the most.

    I understand that the government can't deposit money into an account that doesn't exist, but I sure hope that they will be able to get checks out on a faster schedule once more people who are able to sign up to receive direct deposit.

  • bryce28
    2020-04-10 05:02:48 PM
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    JaredS Wrote:

    I still worry about the poorest among us who don't have a bank account and cash their checks at stores like Kroger or WalMart. What's sad is this is the demographic who likely needs their check the most.

    I understand that the government can't deposit money into an account that doesn't exist, but I sure hope that they will be able to get checks out on a faster schedule once more people who are able to sign up to receive direct deposit.

    It is at least good news they thought to send out checks based on lowest income to highest income. So for the people you are talking about they will start getting checks in the mail as soon as the week of April 24th. And by mid-May anyone qualifying that earned $40,000 or less/yr will have their checks in the mail. That's the estimated time frame anyways.
  • MrsDoran
    2020-04-10 07:52:20 PM
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    Do anybody know if my mom filed me the last two years on her taxes will I qualify for the stimulus payment?

    was not under 17

  • J.K.Logic
    2020-04-10 08:05:11 PM
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    MrsDoran Wrote:

    Do anybody know if my mom filed me the last two years on her taxes will I qualify for the stimulus payment?

    was not under 17

    If you are claimed as a dependent, you won't qualify. But that could change in the near future:

    Will College Students Get Stimulus Checks After All?

    Basically its saying for those stuck in limbo, like your situation from the sounds of it, for those age 17-23 and still claimed as a dependent, some in Congress are looking to change or amend the rules for stimulus checks.

    They are trying two different approaches.

    1) Allow college students to be claimed as dependents, raising the current age limit of 16 to 23, so your mom can get the $500/child stimulus boost

    2) Make it to where every citizen age 18 gets a stimulus check, regardless of financial assistance or if you are a dependent or not

    Not sure if #1 would effect just college students, or all young adults, but obviously #2 is for everyone in that age bracket.

    Article says the first option is gaining more traction, but unclear if it has the legs to pass through Congress right now. Hope it does. That leaves a lot of the population without help from the stimulus, and younger people statistically have less money and need more help right now.

  • Chris582
    2020-04-10 11:07:48 PM
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    I got my taxes on a turbo tax card will my stimulus come on tht card too?
  • bryce28
    2020-04-11 12:57:44 PM
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    Chris582 Wrote: I got my taxes on a turbo tax card will my stimulus come on tht card too?

    No, your stimulus check will be deposited directly into your bank account once they have your bank account information on file. Did you setup direct deposit when you filed your taxes last?

    If you did, you won't have to do anything and should get the money sometime next week. If you didn't or are unsure, sometime next week the IRS portal will be open and you can check your status there.

    If you don't have the bank info on file, you can then enter in all that information to receive the money in your bank acct very shortly after.

  • Kyle
    2020-04-12 12:40:50 PM
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    Does anyone know if I will get direct deposit if I make automatic monthly payments to IRS? They withdraw my payment from my bank account every month, so will they use that bank information to deposit the stimulus check to that account? Thanks for any information you may have.
  • J.K.Logic
    2020-04-12 12:54:15 PM
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    Kyle Wrote: Does anyone know if I will get direct deposit if I make automatic monthly payments to IRS? They withdraw my payment from my bank account every month, so will they use that bank information to deposit the stimulus check to that account? Thanks for any information you may have.

    They won't use that bank information. They will only automatically direct deposit the stimulus if you specifically setup direct deposit on either your 2018 or 2019 tax return. I'm in a similar boat where I make monthly payments to them but I will either have to use the IRS portal or wait for a check in the mail.

    The IRS portal should be live for filers to give them their bank info next week. You can also check your status on there too, just to be sure.

  • justin412
    2020-04-14 12:02:35 PM
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    The IRS announced the first round of stimulus checks have been sent out to millions of Americans who have direct deposit information set up. Has anyone here received their checks yet? If so, has it helped alleviate any stress or do you think more needs to be done to help average Americans during these uncertain times?
  • Kaykay
    2020-04-14 04:54:59 PM
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    I filed my 2019 taxes through turbo tax and got them directly deposited onto there intuit turbo tax card it has a account and routing number says its through green dot will my stimulus check come on my turbo tax card
  • bryce28
    2020-04-14 05:00:41 PM
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    Kaykay Wrote: I filed my 2019 taxes through turbo tax and got them directly deposited onto there intuit turbo tax card it has a account and routing number says its through green dot will my stimulus check come on my turbo tax card

    It should only be directly deposited into your actual bank account. If you provided your direct deposit info on your tax return, it should show up in your account today or tomorrow. If you didn't you may have to use the IRS portal. Supposed to go live tomorrow.

    To be safe though, I would check your bank account and your TT card and see if it appears in either. If you don't get the money by tomorrow, I would use the IRS portal. You can check the status of your funds through there, once you provide some basic info and some basic tax info about your last filing. If they don't already have your account on hand, you can go ahead and provide it and then you should receive funds within a handful of days after that.

  • BtHarris
    2020-04-14 06:34:11 PM
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    What if you had to file by paper (mail in tax return) but there isn't any info as of yet about your federal return on irs.gov, but you've received your state tax return, do you have to use the irs portal still or will they use the DD info on your state tax return?
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