Stimulus Check 2 Update: When Could the IRS Send Your Payment Now? What we know today


A second dunning check is being developed, but the payment schedule is still unknown. We break down some likely scenarios. Sarah Tew / CNET

Discussions between Republican and Democratic leaders for a new economic recovery plan are at an impasse. And now that the Senate has adjourned until September and the House is gone until September 14, it is unclear when Eligible Americans could receive the next stimulus check. While the House and the Senate both agree on a second incentive check of $ 1,200, they did not meet on package size. Until they do, that means another COVID relief payment is blocked as well.

If the White House and Democratic negotiators can reach a deal next month – here is five reasons we think this might happen – Treasury Secretary Steven Mnuchin said he could get a new check faster than the first stimulus check.

How long could this actually happen? It all depends on when the two sides resume serious negotiations. If talks resume and they strike a deal, we’ve calculated the dates when you might get your first check.

This story was recently updated with new information.

How fast could the IRS deliver the second stimulus checks?

Several scenarios could unfold. Republicans and Democratic negotiators could resume talks and reach a deal this month, or negotiations could drag into September. To complicate the schedule, both sides are holding their national conventions this month – democrats next week and the republicans the week after.

Meanwhile, the House of Representatives and the Senate are adjourned after Labor Day.

Here are some possible early dates that a second stimulus test could pass. For reference, we also include the schedule for the now expired Loi CARES as a point of reference. And keep reading to find out who might get their payout first.

When could the second stimulus checks take place?

Date adopted by the Senate

Date passed by the house

Signature Date

First checks sent

Original CARES law

25 mars

26 mars

27 mars

15 avril

If the Senate passes

If the house passes

If the president signs

The first checks could be sent

Final negotiated invoice

8 sept.

9 sept.

10 sept.

Week of September 21

10 sept.

11 sept.

14 sept.

Week of September 28

14 sept.

15 sept.

16 sept.

Week of September 28

This group would get their stimulation test first

It is likely that the IRS will use roughly the same calculations and tools to send the second stimulus check as the first, including the IRS Get My Payment tool for monitoring your stimulation test payment and registration at direct deposit.

The IRS sent the first batch of stimulus checks to people who had filed income tax returns for 2018 or 2019 and had already provided the IRS with their direct deposit information, according to the House Ways and Means Committee ( PDF). Under this model, the next stimulus payment could first reach people who have already signed up for direct deposit, either as part of their 2019 tax return or before.

The next group consisted of Social Security beneficiaries who had information on direct deposit with federal agencies. (According to the IRS, about 80 million people received their checks by direct deposit in the first week they were disbursed.)

Paper checks didn’t start mailing until a week later, to people who hadn’t signed up for direct deposit, but you could still sign up for wire transfer on May 13. The first economically impacting payment debit cards, which are prepaid, were sent in mid-May to around 4 million people.

Another check of up to $ 1,200 may end up in your bank account.

Sarah Tew / CNET

Why your stimulus check might come later than the others

We won’t know for sure until a new bill is passed and the IRS forms a plan to send checks, but here are some things to consider.

Changes to assistance for dependents: It depends on the version of the bill adopted. The CARES Act allocated $ 500 to dependents aged 16 and under. The Republicans-backed HEALS Act also allocates $ 500 to dependents of all ages. But the Democrat-backed Heroes Act suggests $ 1,200 for up to three dependents. If a change is made, even if it ultimately leads to sending more money, it could force the IRS to adjust its accounting system. It could potentially slow things down for you.

Banking status: With the first checks, people who did not submit direct deposit information to the IRS had to wait longer to receive the stimulus money in the mail. In June, 120 million people received the stimulus money by direct deposit, 35 million by check in the mail and 4 million by prepaid debit card. The IRS did not provide an update on the number of people who received a stimulus check before August 1.

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Banking status has affected the speed of payments since the passage of the CARES Act, disproportionately impacting black Americans and people of color, according to an analysis (PDF) from the think tank Urban Institute. People who were white and had incomes above the poverty line were more likely to have received their first stimulus check by the end of May than those who were black, Hispanic or below the poverty line. according to the analysis.

People who didn’t make enough money to be required to file federal income tax returns in 2018 or 2019 also wouldn’t get a stimulus check unless they submit a form to the IRS, according to one. Center on Budget and Policy Priorities report. This group includes low-income families with children and a much larger number of blacks and people of color.

When is the last date you could receive the new stimulus check?

Again, the timing of the first stimulus checks may provide a potential roadmap, but there is no official news until another bailout is finalized.

The IRS will have sent out about 200 million checks by the time the agency finishes distributing the first set of payments. (The total U.S. population is over 330 million people, according to the Census Bureau.)

The majority of these were sent in early June, although the IRS said it would continue to send payments until the end of the year.


American workers face an incredibly high rate of unemployment.

Angela Lang / CNET

How to get more help

If you are still waiting for the first round of payments against the coronavirus, you can monitor the status of your stimulation test, learn how to report your no-show check to the IRS and find possible reasons your stimulus check still hasn’t arrived.

Here are some more resources on coronavirus hardship loans and unemployment insurance, what you can do if you’ve lost your job, what to know about evictions and late car payments, if you could receive two IRS rebate checks and how take control of your budget.

Shelby Brown contributed to this report.


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