What to Do if You Haven’t Received Your Stimulus Check Yet

The stimulus check refers to a certain amount of money approved by the presidential administration. There have been more stimulus checks due to the effect of the covid-19 pandemic on the economy as well as the people. These checks are necessary because unemployment rates are currently high. Stimulus checks include benefits and funds for Americans who may be struggling.

If you have not received your stimulus check yet here is what you should do. Before outlining the steps you should take, we need to discuss some of the reasons that may lead to you not receiving your stimulus check.

  1. Improper Application – To get the stimulus check you have to enter your information into the IRS Website. This is the only site that will require your information. Be wary of scams or fraudulent activities surrounding the stimulus check. If the information is not coming from the IRS then it is most likely not trustworthy.
  1. Taxes – A new ruling that permits those who haven’t filed their tax in 2018, 2019, and 2020 to still be eligible for the stimulus check however, the application of this ruling differs in states.
  1. Under 16 and 18 – If you are under 16 your parents or guardian should receive your stimulus check because you are under their care. This will only occur if they include your details in the information given to the IRS. For individuals under the age of 18, if your parents do not legally state that you are a “dependent” your family will not receive your stimulus check.
  1. Wage Limits – Not all wage earners will qualify to receive the full stimulus check and this is solely based on your tax returns. Individuals who earn less than $75,000 or $150,000 as a couple are eligible for the stimulus check. After this, for every $100 in income above the threshold will result in $5 being deducted from the stimulus check. If an individual earns $87,000 and above or a couple earns $174,000 they will not qualify for the stimulus check because they are high wage earners.

For heads of households (this has to be stated on tax returns), there will be no stimulus check if the gross income after adjustments is above $124,500.

  1. Recent Address Change – If an individual chooses to receive the check by mail and change addresses, it could take up to 5 months to arrive. This is why your information on the IRS Website should always be up to date.
  1. No Bank Account – Most stimulus checks are deposited directly into the bank account registered on the IRS Website. If you do not have one then you can get the check sent by mail which will take a few months to arrive. If you opt to receive it by cash through the app Cash App and a prepaid debit card.
  1. Immigrants without a Social Security Number – Immigrants without a social security number do not qualify to receive the stimulus check. Those with H-1B or H-2A visas and Green Cards are eligible.

If none of these apply to you and you still haven’t received your stimulus check, follow these steps.

  1. Track your payment status on the IRS Website through the Get My Payment.
  1. Ensure all the information registered is correct. You may have registered an incorrect bank account.
  1. Reach out to your bank to ascertain whether they are still processing your stimulus check.
  1. If you are getting a message stating “Payment Not Available” then you will have to state this in your tax returns (by the 15th of April 2021) to get your “Recovery Rebate Credit.” 

For more information on how to claim the rebate on your tax returns click here.

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