Where’s my dunning check? 10 reasons why you don’t have your money yet


Are you still waiting for the IRS to issue your stimulus payment?

Angela Lang / CNET

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It’s been weeks since the IRS first sent coronavirus stimulus check eligible American taxpayers. If you are still waiting for your payment, you may be looking for answers: Where is it? Is something causing a delay? While the explanation can be as simple as the IRS planning your disbursement for later in the year, we have uncovered some real hurdles that could block your check.

Before you start, it’s important to know or get the money. Your stimulus payment could arrive by direct deposit into your bank account, if you had implemented before the May 13 deadline. At this point, however, it is more likely that you will get it in the mail. It will arrive either by paper check or by check prepaid debit card. Either way, stimulus money is it’s up to you to spend, free and clear.

For some people, finding the status of their payments was frustrating, as many CNET readers have shared. Missing checks in the mail or bank accounts, some believe their payments fell between the cracks. If you have checked the IRS tool and have not found the answers you are looking for, here is what could cause a crash.

These payments are part of a larger economic package to support an American economy. shaken by the effects of the pandemic. Meanwhile a bill for a second round of dunning checks up to $ 1,200 is under debate in Congress.

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Telephone assistance for stimulation checks


You will not receive a dunning check if you are not eligible

Check first. You are eligible to receive a stimulus payment if you:

  • You are a single US resident and have an adjusted gross income of less than $ 99,000.
  • Head a household and earn less than $ 146,500.
  • Produce jointly without children and earn less than $ 198,000.
  • You are the parent of a child 16 years of age or younger.

The IRS has scheduled your payment for later in the year

While the IRS sent 152 million payments as of May 22, much remains to be done. In April, the IRS estimated (PDF) that it could take up to 20 weeks to send each payment, and it prioritizes the payment schedule by first sending checks to those with the lowest incomes. Depending on your adjusted gross income, you may have weeks and perhaps several months to wait, depending on the IRS plan.

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You will want to check your inbox.

Sarah Tew / CNET

The IRS started processing your paper check before submitting your direct deposit information

If the IRS was already preparing to mail your paper check when you provided your banking information online, you will still receive your check by mail. The IRS said it can generally take up to 14 days to receive payment in this situation.

The banking information that the IRS has for you is out of date or no longer valid

The IRS said it used bank information from your 2018 or 2019 tax return to send your payment. Some tax preparers, however, open temporary accounts for their clients to receive their returns, such as a prepaid debit card. If this is the information the IRS has for you, the agency has said that the payment would be returned and restated.

If for any reason the bank information that the IRS has for you is not valid, the agency says it will mail your check to you. The IRS said to check its Get My Payment tool for updates.

The IRS was waiting for your banking information before sending your check

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The IRS went to great lengths to get everyone who was eligible for a check signed for direct deposit before May 13. The advantage of direct deposit, according to the IRS, was that you would receive your check faster than by mail. Now that the deadline has passed, the IRS has said it will start sending paper checks and debit cards to those for whom it does not have banking information from late May to June.

Your bank struggled to process direct deposit

If your bank was unable to process the IRS wire transfer, the payment has been returned and the IRS now sends your check to the most recent address it has on file, either from a 2019 or 2018 income statement or the post. A service.

A declared dependent is not eligible for payment

Unmarried parents who do not file a joint return cannot both claim an eligible child as a dependent. The parent who claimed their child on their 2019 return can receive payment. Likewise, dependent students are not eligible for payment.

You owe child support

If you are behind on child support, the IRS said your payment may be reduced or completely deducted. If this happens, the Tax Services Office will send you a notice.

You may have been the victim of a scam

The FBI warns that scammers are looking to steal your stimulus control. We have a guide for how to guard against these attacks. If you receive a letter from the IRS informing you that the agency has already sent your money – with details of whether it is by mail or directly to your bank – but that you have not received payment , the letter contains information on how to report that the money has not arrived.

You must file a nonfilers form

If you are eligible for a payment but, due to your low income, you did not have to file a tax return for 2018 or 2019, you may have to use the non-declaration tool of the IRS to provide the agency with your information. If you think this is you, go to the IRS website, check the requirements, and then provide basic information to get your stimulus check.

To help you with potential problems with your payment, the IRS has added 3,500 telephone representatives to help you navigate common problems. However, representatives will not be able to help you with specific problems with your payment.

As you try to find out the state of your pacing control, here’s what we know second set of stimulus checks, how to best use your stimulus and how to avoid falling victim to a scam.


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