Americans Have Received Three Stimulus Checks So Far – Did You Get Yours?

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While there aren’t any more stimulus checks planned at the moment, here’s everything you need to know about the 3 previous stimulus check payments.

hands holding cash

The US House of Representatives signed off on the $1.9 trillion American Rescue Plan Act in July, approving the third round of direct stimulus payments for millions of American households. In addition to sending payments of up to $1,400 for each individual, this bill also extended federal unemployment insurance benefits through Sept. 6, 2021, and increased the current child tax credit for 2021.

As with the first two stimulus checks, these payments were deposited into bank accounts for anyone who had their electronic banking information on file with the IRS. Other eligible Americans received either a prepaid debit card or a paper check in the mail.

Woman writing in notebook with tablet next to her

Who received a third stimulus payment from the government?

Virtually any U.S. resident with a valid Social Security number was eligible for an economic impact payment under the American Rescue Plan Act, including veterans, workers eligible for unemployment, and most people receiving Social Security retirement and disability benefits.

In a big change from the first two stimulus payments, all dependents, regardless of age, qualified for the third payment as long as the person who claimed them met the necessary criteria. This means that college students and other adult dependents did, for the first time, receive a stimulus payment. Note that these payments went to the individual who filed the taxes, not the dependent themselves.


dollar bills

How much money did people receive? 

Individuals with an adjusted gross income of $75,000 or less, and couples with an adjusted gross income of $150,000 or less, were eligible to receive a one-time payment of $1,400. These income thresholds were the same as the first two payments.

The third round of payments was based on the income you reported on your 2020 tax return. If you hadn’t yet filed your 2020 taxes, the Treasury Department used your 2019 tax return to calculate your payment.

As with the previous two payments, Americans who earned more than the income threshold still received a partial check, but there was a much steeper phaseout. Individuals who earned $80,000+ a year and couples who earned $160,000+ a year did not receive any payment at all. For those filing as the head of household, the phaseout began at $112,500 and capped at $120,000.


Woman holding iphone with IRS get My Payment button

What action was needed to collect a stimulus check?

Similar to the first two rounds of stimulus payments, you probably didn’t need to do anything to receive the third payment. Taxpayers did not need to register or sign up in any way. As stated above, if the IRS already had your bank account information on file, it likely just issued your third stimulus payment via direct deposit. If the IRS didn’t have your electronic banking information on file, you likely received a paper check or prepaid debit card in the mail.

Americans who received direct deposit payments seemed to get their money much faster than those who got a check or debit card in the mail. In certain limited cases, the IRS allowed taxpayers to provide their bank account information to receive electronic payments.


woman using Macbook

The IRS has created a website to provide information regarding Economic Impact Payments, who qualifies, and what to do if you don’t receive a payment.

Curious about how much money you should have received? Kiplinger.com has a handy Stimulus Check Calculator that you can use to estimate your payment!


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Jenna has a Bachelor's Degree from Lycoming College and her Master's from Penn State, holding 3 years of writing experience between a variety of publications and Hip2Save.


Join The Discussion

Comments 2036

  1. Jill

    Got mine today

  2. Nessa

    Where did the comments go?

    • Amber (Hip Sidekick)

      Hi there! I’m still seeing them as I scroll down. Are you on a mobile device?

  3. girlwork

    Got mine

  4. Princess'Mom

    This is a post about the CTC but it’s apparently re-written over a post from last year about stimulus checks? There are comments from April 2020 about people receiving money. There are also thousands of comments to try wading through to get to any current discussion.

    PLEASE, PLEASE make a new post for things like this. It makes it really hard to follow what’s going on and doesn’t that defeat the purpose of the post?

    • Amber (Hip Sidekick)

      Thank you SO much for your feedback and for pointing that out. We’ll get this updated and get a fresh post up with the new information.

    • Jacie

      Not sure what happened but just copy & paste the link that you want to read

  5. Lynne

    LOL, I haven’t even received my tax return yet!!!

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