How to set up direct deposit for your IRS reminder check


More than 80 million Americans will receive their coronavirus stimulation checks by direct deposit by Wednesday, April 15, according to Treasury Secretary Steven Mnuchin.

But it’s estimated that 20% of Americans who haven’t set up direct deposit with the IRS may want to do so in order to receive their stimulus funds faster – better wait for a postal check.

Those who set up an electronic funds transfer with the IRS when filing their taxes in 2018 or 2019 will see the funds automatically deposited into their accounts using the bank information they previously provided – no further action required. This also applies to those who are already receiving social security retirement, disability or survivor benefits or rail pension payments by direct deposit.

People who filed taxes in 2018 or 2019 but who does not have setting up a direct deposit will have to wait until the government finishes an application called “Get My Payment” where they can enter bank information and track their payment.

Although the app is supposed to work on phones, tablets, and desktops, the webpage where the app will be available currently says “in mid-April.” The government has said it will be active from April 17.

dollar bills
One hundred dollar bill with Benjamin Franklin is visible among others.
Richard Levine / Corbis / Getty

Those who have not filed taxes in the past two years or who have not set up direct deposit with the IRS in the past can do so using this web portal.

The web portal will send you to a website called – an IRS certified and secure partner site – which contains a page specifically for economic impact payments.

The website requires you to create an account with a pseudonym, a secure password and a verifiable email address. After creating your account, you will want to check your email to see if you have received an automated message from the website. The email contains a link that you need to click to verify your email address. Only accounts with verified email addresses are allowed to complete the registration process.

After creating an account, the website will ask for the following personal information:

  • Full name, current mailing address and email address
  • Date of birth and valid social security number
  • Bank account number, type and routing number
  • Identity protection personal identification number (PIN) you received from the IRS earlier this year, if you have one
  • Driver’s license or state issued ID card, if you have one
  • For each eligible child: name, social security number or identification number of the adoption taxpayer and their relationship with you or your spouse

The website will also ask you for your adjusted gross income on your 2018 income tax return. If you didn’t file a 2018 income tax return, that’s okay – the website just asks you to enter a zero for the amount.

The whole process takes only 10 or 15 minutes and after that you will receive an email confirming your completion. The email indicates that within 24 to 48 hours, you should receive an email indicating whether your file has been accepted or rejected by the IRS. Acceptance will be required to receive payment.


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