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Still Waiting For Your Stimulus Check? This Might Be Why

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  • JaredS
    2020-04-16 03:00:26 PM
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    The first round of stimulus check payments have been sent out, but you're certainly not alone if your bank account doesn't have an extra $1,200-$2,400 right now. That's because there have been a number of delays, glitches, and outright confusion with depositing the checks into millions of Americans bank accounts.

    Ironically, this was supposed to be the easy part. The people the IRS intended to send money to already had direct deposit information on file and those people were initially told they didn't have to do anything if their banking information was the same. Unfortunately, it wasn't that simple for a large number of Americans.

    Here are a few reasons why you may still be waiting for your stimulus check.

    Your 2019 Taxes Have Not Been Processed
    One of the most common complaints has been from people who filed their 2019 tax returns in recent weeks. If they didn't provide direct deposit information on their 2018 taxes but did on their 2019 taxes then it is likely their banking information has not been updated yet. The IRS has not said when they expect to process these returns and get payments to those affected.

    You Filed Your Taxes On a Third Party Website
    People who filed their 2018 or 2019 taxes on popular third party websites like H&R Block, TurboTax, and Jackson Hewitt, among others, are also reporting that they have not received their stimulus checks yet. This is because these websites have not shared users direct deposit information with the IRS. The IRS has reportedly claimed it has figured out a way to fix this problem and a claim a “significant percentage" of those affected will ultimately get a direct deposit, but hundreds of thousands of Americans who used these tax filing services are still waiting for their checks.

    You Didn't Owe Any Taxes or Receive a Refund in 2018 or 2019
    People who didn't owe any taxes or receive a refund in 2018 or 2019 are also reporting that they not only didn't get any money, but can't even log onto the IRS portal to check the status of their stimulus check. The IRS has reported that they are "aware of the problem and are checking into it,” without providing any further details.

    These are just a few reasons why people haven't received their checks. Does anyone fall into these categories? Or, perhaps more importantly, was anyone expecting a check and not fall into one of these categories?

  • J.K.Logic
    2020-04-16 03:28:23 PM
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    I fall into this category. So I filed my 2018 taxes but didn't provide direct deposit info on my return because I owed. And I didn't file my 2019 yet because the deadline got extended until July 15th. And I assumed once the IRS Portal opened up, I would be able to simply update my account info on the portal. Because they said 2018 or 2019 filers.

    That was the way the originally advertised the portal.

    Much to my surprise, and I'm sure millions of others, that's not the case. You have to file your 2019 taxes first before you can actually use it. At least in its current form. And if you are filing 2019 taxes now, its best to just include your direct deposit info on your tax return, even if you won't get a refund. I hope I am able to do it.

    If it doesn't allow me, basically I will have to file 2019, then wait a few weeks for the system to update, and THEN use the portal. That option is still better than waiting months for a paper check in the mail, but certainly not ideal, and not what I was expecting.

  • PentagonWall
    2020-04-16 03:45:39 PM
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    JaredS Wrote:

    You Filed Your Taxes On a Third Party Website
    People who filed their 2018 or 2019 taxes on popular third party websites like H&R Block, TurboTax, and Jackson Hewitt, among others, are also reporting that they have not received their stimulus checks yet. This is because these websites have not shared users direct deposit information with the IRS. The IRS has reportedly claimed it has figured out a way to fix this problem and a claim a “significant percentage" of those affected will ultimately get a direct deposit, but hundreds of thousands of Americans who used these tax filing services are still waiting for their checks.

    I know alot of people who fall into this category. I don't know anyone who expected this to be a problem, especially since filing through TurboTax and the others have become so streamlined. It's pretty surprising to me that these programs don't share direct deposit information directly with the IRS. I'd think they would work together on that front by this point.

  • justin412
    2020-04-16 03:49:17 PM
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    My wife and I may actually fall into two of these categories. We filed our 2019 taxes a few weeks ago *and* didn't owe any or receive a refund in 2018 (or 2019). That's because I file as a 1099 and the IRS has always credited any amount we overpaid towards the first quarterly statement of the next year. We've never underpaid because it's simple to calculate how much I owe and her company typically withholds right around the correct amount. So it's very possible the IRS doesn't even have our direct deposit information, but we don't know because neither of us can log onto the IRS online portal.

    We have an idea how much we qualify for, but haven't received any concrete answer or information yet. I don't think the IRS thought much about the millions of independent contractors out there who file taxes differently than people with "9-5" jobs.

  • bryce28
    2020-04-16 05:44:51 PM
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    justin412 Wrote:

    My wife and I may actually fall into two of these categories. We filed our 2019 taxes a few weeks ago *and* didn't owe any or receive a refund in 2018 (or 2019). That's because I file as a 1099 and the IRS has always credited any amount we overpaid towards the first quarterly statement of the next year. We've never underpaid because it's simple to calculate how much I owe and her company typically withholds right around the correct amount. So it's very possible the IRS doesn't even have our direct deposit information, but we don't know because neither of us can log onto the IRS online portal.

    We have an idea how much we qualify for, but haven't received any concrete answer or information yet. I don't think the IRS thought much about the millions of independent contractors out there who file taxes differently than people with "9-5" jobs.

    Did you or your wife include your bank info on the Federal Tax Return you filed on the lines specifically for direct deposit, for years 2018 or 2019? If not they won't have it.

    Also what filing status did you'll use? If your wife filed a w-2 and you'll filed married filing jointly and she included direct deposit info for 2018 or 2019, you will get both of your stimulus checks direct deposited into her account. Have a married couple I know in the exact same situation and they got a $2400 check yesterday.

    Otherwise, you will have to wait for the portal to update with your processed 2019 form. Which is supposed to only take a few weeks. So maybe its really close to showing up there. Once its there, you should be able to give them your bank info. Then its supposed to take several days to process after that.

  • Mike
    2020-04-16 06:04:03 PM
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    Question: obviously have not yet received my stimulus payment via direct deposit. How can I tell if they are using my 2018 tax return (we were over the threshold) or my 2019 tax return (which would make us eligible)? I filed my 2019 taxes week of 4/6 and actually received my 2019 tax refund on 4/15 via direct deposit. So they have my current deposit info on file.

    But...if they reviewed tax returns prior to 4/6 to check on eligibility, we would miss out since our 2019 return would not yet be on file.

  • J.K.Logic
    2020-04-16 06:10:47 PM
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    Mike Wrote:

    Question: obviously have not yet received my stimulus payment via direct deposit. How can I tell if they are using my 2018 tax return (we were over the threshold) or my 2019 tax return (which would make us eligible)? I filed my 2019 taxes week of 4/6 and actually received my 2019 tax refund on 4/15 via direct deposit. So they have my current deposit info on file.

    But...if they reviewed tax returns prior to 4/6 to check on eligibility, we would miss out since our 2019 return would not yet be on file.

    Good question. You won't miss out. They will update their systems daily and once your 2019 shows in their system you will qualify, and they will process your stimulus checks, and you will get them direct deposited.

    Currently they haven't given an exact time frame for how long it takes to process returns, they have just said a few weeks. And then 'several days' to process the deposits.

    So you should expect to wait approx three weeks, give or take. That's what its currently looking like.

  • Ms v
    2020-04-16 06:14:30 PM
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    I filed taxes in 2018 and 2019 I used my SSDI direct deposit for 2018. 2019 I used a different direct deposit. They sent the stimulus check to the 2019 direct deposit it's a problem because they don't do stimulus deposit so they going to reject the deposit my question is will they send it to my SSDI direct deposit the IRS has it on file but it's for 2018
  • J.K.Logic
    2020-04-16 06:18:52 PM
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    Ms v Wrote: I filed taxes in 2018 and 2019 I used my SSDI direct deposit for 2018. 2019 I used a different direct deposit. They sent the stimulus check to the 2019 direct deposit it's a problem because they don't do stimulus deposit so they going to reject the deposit my question is will they send it to my SSDI direct deposit the IRS has it on file but it's for 2018

    They will only use the most recent account information they have on file. So they won't use your 2018 info if you gave them 2019 info already. If that account doesn't accept stimulus direct deposits, unfortunately there isn't any way right now to change your account information once they have it on file for 2019.

    They will instead mail you a check. And most stimulus checks will start to be mailed out beginning the first week of May. And sent in order of lowest to highest income, in chunks of 5 million checks per week.

  • justin412
    2020-04-16 07:34:20 PM
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    bryce28 Wrote: Did you or your wife include your bank info on the Federal Tax Return you filed on the lines specifically for direct deposit, for years 2018 or 2019? If not they won't have it.

    In all honesty, I have to admit I don't know. We have an accountant do our taxes and we just sign on the dotted line. My guess is they don't have our direct deposit info because we never get money back.

    bryce28 Wrote: Also what filing status did you'll use? If your wife filed a w-2 and you'll filed married filing jointly and she included direct deposit info for 2018 or 2019, you will get both of your stimulus checks direct deposited into her account. Have a married couple I know in the exact same situation and they got a $2400 check yesterday.

    We file as married filing jointly. My wife gets a W-2 and files a 1040 while I file a 1099. Hence why we use an accountant to help us out!

    bryce28 Wrote: Otherwise, you will have to wait for the portal to update with your processed 2019 form. Which is supposed to only take a few weeks. So maybe its really close to showing up there. Once its there, you should be able to give them your bank info. Then its supposed to take several days to process after that.

    Yea, that what I was figuring. It's just frustrating because we still can't get in there and see how much we'll be getting and when that will be.

  • J.K.Logic
    2020-04-16 07:45:29 PM
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    justin412 Wrote:

    bryce28 Wrote: Otherwise, you will have to wait for the portal to update with your processed 2019 form. Which is supposed to only take a few weeks. So maybe its really close to showing up there. Once its there, you should be able to give them your bank info. Then its supposed to take several days to process after that.

    Yea, that what I was figuring. It's just frustrating because we still can't get in there and see how much we'll be getting and when that will be.

    2020 Stimulus Check Calculator

    If you have your last tax return info on hand (just need your AGI and filing status) this will tell you exactly how much you are going to get.

  • Susan J. Sommerman
    2020-04-17 08:51:43 AM
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    JaredS Wrote:

    The first round of stimulus check payments have been sent out, but you're certainly not alone if your bank account doesn't have an extra $1,200-$2,400 right now. That's because there have been a number of delays, glitches, and outright confusion with depositing the checks into millions of Americans bank accounts.

    Ironically, this was supposed to be the easy part. The people the IRS intended to send money to already had direct deposit information on file and those people were initially told they didn't have to do anything if their banking information was the same. Unfortunately, it wasn't that simple for a large number of Americans.

    Here are a few reasons why you may still be waiting for your stimulus check.

    Your 2019 Taxes Have Not Been Processed
    One of the most common complaints has been from people who filed their 2019 tax returns in recent weeks. If they didn't provide direct deposit information on their 2018 taxes but did on their 2019 taxes then it is likely their banking information has not been updated yet. The IRS has not said when they expect to process these returns and get payments to those affected.

    You Filed Your Taxes On a Third Party Website
    People who filed their 2018 or 2019 taxes on popular third party websites like H&R Block, TurboTax, and Jackson Hewitt, among others, are also reporting that they have not received their stimulus checks yet. This is because these websites have not shared users direct deposit information with the IRS. The IRS has reportedly claimed it has figured out a way to fix this problem and a claim a “significant percentage" of those affected will ultimately get a direct deposit, but hundreds of thousands of Americans who used these tax filing services are still waiting for their checks.

    You Didn't Owe Any Taxes or Receive a Refund in 2018 or 2019
    People who didn't owe any taxes or receive a refund in 2018 or 2019 are also reporting that they not only didn't get any money, but can't even log onto the IRS portal to check the status of their stimulus check. The IRS has reported that they are "aware of the problem and are checking into it,” without providing any further details.

    These are just a few reasons why people haven't received their checks. Does anyone fall into these categories? Or, perhaps more importantly, was anyone expecting a check and not fall into one of these categories?

    What if you owe back texes, and you make monthly payments to the IRS. Will you still get a stimulus check?
  • Matt
    2020-04-17 10:47:40 AM
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    I filed my 18 and 19 returns with TurboTax they have my DD info. Plus the Get my payment portal blocks me out. I think that I know my own SS# and bday and address.
  • JaredS
    2020-04-17 12:15:42 PM
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    Susan J. Sommerman Wrote: What if you owe back texes, and you make monthly payments to the IRS. Will you still get a stimulus check?

    People who owe back taxes will still receive a stimulus check. If the IRS has your direct deposit information then you should have received your check by now. If you haven't received your check then you should head to the IRS online portal and provide your direct deposit information if you'd like to receive your money faster.

  • JaredS
    2020-04-17 12:23:29 PM
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    Matt Wrote: I filed my 18 and 19 returns with TurboTax they have my DD info. Plus the Get my payment portal blocks me out. I think that I know my own SS# and bday and address.

    There have been a number of glitches and issues with the roll out of the online portal, that is for sure. A lot of people who filed with companies like TurboTax and H&R Block are reporting the same issue as you.

    TurboTax released a statement that said:

    “Any TurboTax customer who selected refund transfer or a debit card that gets a stimulus payment sent from the IRS to those accounts will receive those stimulus payments without delay or fees.”

    This will probably be fixed sooner rather than later, but I can definitely see how you are frustrated right now.

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