Still Waiting for Your 2nd Stimulus Payment? This May Be the Reason Why…

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With Covid-19 cases on the rise and many states enacting more lockdown measures, the long-awaited second stimulus package couldn’t have come any sooner for individuals and families in financial need.

Similar to the Coronavirus Aid, Relief, and Economic Security (CARES) Act in the spring, millions of American households will now be receiving a second round of Economic Impact Payments intended to provide a little financial relief from the economic hardships caused by the coronavirus pandemic.

Stimulus payments from the Help, Economic Assistance, Liability Protection and Schools (HEALS) Act have been rolling out since January 4th, with many Americans seeing these funds listed as “pending” in their online bank accounts as early as last week. Paper checks were mailed out on December 30 and may take longer to arrive.

Your stimulus payment will likely show up in your bank account labeled “PPD IRS TREAS 310”.

H&R Block sign on building

Anyone receiving their payment via direct deposit should already have it in their bank account or will see it come through very soon! This week, the Treasury Department also sent out approximately 8 million Economic Impact Payment cards. If you haven’t gotten a direct deposit or a paper check in the mail, lookout for these prepaid debit cards that were sent in white envelopes with the U.S. Department of the Treasury seal.

There have also been reports of some H&R Block customers seeing the wrong account number on their stimulus payment or having their money deposited into a different bank account than the one used in the spring. H&R Block posted on Twitter Monday that customers who used the company’s “Refund Transfer” option may have had their money sent to a temporary account.

Since discovering this issue, H&R Block has forwarded these payments on to the method customers chose for their Refund Transfer: direct deposit, check, or Emerald Card. Although affected customers should already have their money, anyone still experiencing difficulty or needing additional information can call 800-HRBLOCK or 1-866-353-1266 for questions specific to Emerald Card.

Here are some answers to other questions you may have about the second round of stimulus checks:

Woman writing in notebook with tablet next to her

Who will receive a second stimulus payment from the government?

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

The HEALS Act will likely result in a check for anyone who received one in the first round of economic impact payments, because the same income threshold as the CARES Act is expected to be used.

In a big change from the first round of stimulus checks, households with mixed-status family members will also be eligible for payments. For example, households with an undocumented spouse will receive a payout for all members in the family who have a social security number.

Click here to read more about how eligibility was determined as a result of the CARES Act.


dollar bills

How much money will I get this time? And when?!

The HEALS Act is a $900 billion relief package, versus the $2 trillion included in the CARES Act, so there’s less money to go around. The HEALS Act includes another round of one-time individual payments of $600 plus $600 for each qualifying dependent child.

Note that adult dependents do not qualify for this round of payments.

Single adults with an adjusted gross income of $75,000 or less will get the full $600. Married couples with no children earning $150,000 or less will also receive the full amount for a total of $1,200.

Adults whose income exceeds these amounts will have their payments reduced $5 for every $100 earned above the threshold. That means single adults earning more than $87,000 or married couples earning more than $174,000 will not receive a payout.

Like the first round of checks, direct deposit payments are arriving first for Americans who filed tax returns in 2018 and 2019. Physical checks were mailed out on December 30 for those whom the IRS had no bank or direct deposit information on file. Starting the week of January 4th, the Treasury Department also sent out approximately 8 million Economic Impact Payment prepaid debit cards.

Keep in mind that if you received a paper check as your first stimulus payment, you may receive a check OR a prepaid debit card this time around.


Woman holding iphone with IRS get My Payment button

What will I need to do to collect my stimulus check?

Similar to the first round of payments, you probably won’t need to do anything to receive a second payment. Taxpayers who already filed their taxes for 2019 did not need to register or sign up in any way to receive a payment under the CARES Act. Non-filers simply needed to provide the Treasury Department with the necessary information to determine eligibility through a tool on the IRS Website.

As stated above, if the IRS already has your bank account information on file, it simply transferred your second stimulus payment to you via direct deposit. If the IRS doesn’t have your electronic banking information on file, you would likely receive a paper check or prepaid debit card in the mail again. Americans who received direct deposit during the first round of payments seemed to get their payment much faster than those who got their payment through the mail.


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.

Bookmark this page and keep checking back for new updates as they’re posted!


prepaid Visa Debit Card

Still waiting for your stimulus payment? Check your payment status online!

Most of the CARES Act Payments have already been received by eligible Americans, either via direct deposit (labeled as “IRS TREAS 310 – TAX REF”), as a paper check in the mail, or in the form of a prepaid debit card.

If you were expecting a second economic stimulus payment from the HEALS Act and still haven’t received one, you can visit the IRS Website and click the blue button that says “Get My Payment” to check the status of your payment.

Get My Payment Button


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Join The Discussion

Comments 1902

  1. Tricia

    Got our $1800 on January 4th.

  2. Gramma C

    I got mine 6 days ago in Ca. My daughter who I live with has not. Just like last time. Also this has a lot of posts!!

  3. Judi

    Check your mailbox everyday if you are eligible, and not getting direct deposit. Here in Reno, our neighborhood mailbox and 30 others were broken into on New Year’s Eve. The post office said there is a big surge because thieves are looking for them.

    • hip2trade

      Also signing up for informed delivery can help. You can see your check on the day it’s arriving and be prepared. It’s been a helpful service for myself.

  4. Leane

    We need to realize in the USA that there is free enterprise! Freedom of speech even if we don’t like what hate people are spewing. This is a business that supports families and they use their discretion as to what they do to support those families. Anyone who does not like a website can never look at it again. I love the deals and when I find it’s changes don’t benefit me anymore I will stop using it. You can too! But for now we need to work harder everyday to be what God wants us to be. Encourage and help those who are discouraged and angry! We surely don’t need anymore unrest! Walk away from the news and pray tomorrow will be a better day!!!🙏

  5. Evie

    Warning! If you paid any Bill’s Visa the USA mail during December, check your bank info. Very likely they did not reach destination.
    Had I known this would happen, would not have mailed my bills.
    The credit card companies of course, will feel entitled to charge late fees!
    This sounds like it was done on purpose!

    • hip2trade

      I assume you meant via the US mail. Snail mail. Yea mailing payments in December would likely been a really bad month to do so unless mailed in advance. Paying bills online if possible is always a good option. (Especially during an unprecedented situation). Hopefully these companies can be contacted and explain your situation. Cant hurt to try. Best of luck.

    • mrswagley

      People still use snail mail to pay bills??? 😅

      • Dee

        I never received either stimulus check 😞- my work hours were reduced I’ve tried to call – Guess I’m still going to have to wait til I file our taxes 😩

  6. Judy Kee

    Stimulus check was made by direct deposit but the bank have not release the money to me although I asked several times, is there a way IRS can retrieve the money $600 back. to IRS and redeposit to my other bank. I need help please.

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