Still Waiting on a Stimulus Check? Six Things You Should Know

Get answers to six frequently asked questions about the Economic Impact Payments, part of the CARES Act, are intended to ease the financial strain caused by the COVID-19 pandemic.

Kallee Feuz Apr 30, 2020

Millions of Americans have already had stimulus payments deposited directly in their bank accounts. But millions more still await their payday from Uncle Sam.

Stimulus checks, also known as Economic Impact Payments, are part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and are intended to ease the financial strain caused by the pandemic.

While the Internal Revenue Service says more payments are on the way, if and when a person can expect a direct deposit or mailed stimulus check depends on several factors.

Following are six frequently asked questions about how and when your stimulus payment might arrive.

Stimulus check FAQ #1: Who qualifies for a stimulus check?

  • U.S. citizens, permanent residents or qualifying resident aliens are eligible for a stimulus payment as long as they meet the income requirements, have a social security number, and are not claimed as the dependent of another taxpayer.

Stimulus check FAQ #2: What do I need to do to receive my Economic Impact Payment?

  • In most cases, no action is needed to get your stimulus payment. However, eligible taxpayers who haven’t filed a 2018 or 2019 return should file their 2019 tax return as soon as possible to receive their stimulus payment, according to the IRS.
  • To speed your payment, you’ll want to make sure the IRS has your direct deposit information on file. Otherwise, a stimulus check will be mailed to you in the coming weeks.
  • If you didn’t receive a tax refund by direct deposit in 2018 or 2019 but wish to speed delivery of your stimulus payment, input bank account information through the IRS Get My Payment tool or the Non-Filers Enter Payment Info form.

Stimulus check FAQ #3: How much money will I get?

  • The dollar amount of your stimulus check is based on the adjusted gross income (AGI) listed on your most recent tax return: 2018 or 2019.
  • Individuals will receive up to $1,200 and married couples will get a maximum of $2,400, depending on income level. Additionally, parents and legal guardians may also net $500 for each qualifying child. The IRS’s Coronavirus Tax Relief page has details on income limits that apply.

Stimulus check FAQ #4: When will I get my stimulus payment?

  • The U.S. Department of the Treasury and IRS reported that tens of millions of American have already received payments via direct deposit. Many of those payments were issued to eligible 2019 or 2018 federal tax return filers who received a tax refund using direct deposit.
  • In the coming weeks, the IRS will issue paper checks on a weekly basis to individuals who have not provided direct deposit information but for whom IRS has a mailing address. The checks will be issued in reverse “adjusted gross income” order — starting with people with the lowest incomes first.

Stimulus check FAQ #5: Where can I find information about my check?

  • The IRS’s Get My Payment tool allows you to track your payment. Additionally, within two weeks of making your payment, the IRS will mail you a follow-up letter outlining how the payment was made and report any failures.

Stimulus check FAQ #6: Why am I receiving emails asking for bank account information?

  • Government agencies, including the IRS, will not email, text or call you about your stimulus check. Any phone call, email or text asking for personal, credit card or bank account information is likely a scam.
  • Watch out for websites and social media posts that request money or personal information tied to Economic Impact Payments.
  • Finally, be suspicious of anyone claiming that they need a deposit, fee or other payment in order to get your stimulus payment. Many financial institutions, including Zions Bank, will cash your stimulus check free of charge, even if you don’t have an account. If a request for credit card or banking information seems suspicions, check with your banker. They can help you verify whether a financial request is legitimate.

Stimulus checks can be cashed[cite::8686::cite] or deposited[cite::8687::cite] at a branch, ATM or by using our mobile banking app. During the coronavirus outbreak, we are temporarily serving clients through drive-up teller window service only, Monday through Friday from 9 a.m. to 5 p.m. More information is available at

Kallee Feuz is Public Relations Officer for Zions Bank.

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