IRS Stimulus Check Tool to Consider During the Pandemic Sponsored by:Brad Furges

There’s no need to worry about registering and tracking the stimulus checks on the Internal Revenue Service (IRS) website. If you’re searching for the right tool to keep track of checks, then we will give you details of the two best tools, the non-filer tool and the Get My Payment tool that are readily available on the IRS website. The IRS has come up with additional guidance to explain the process of using these tools. Let’s see which tool should be used: 

If you have filed your federal income tax return for 2018 or 2019 and given correct information about the direct deposit for your tax refund, you don’t need to worry, and you can avoid the additional steps. 

  • You can easily use the Get My Payment Tool to keep track of your IRS stimulus check once the system has processed your tax return.

But if you have filed a federal income tax return for 2018 or 2019 and not given the correct details of your direct deposit for your tax refund, your stimulus check will be deposited in the account number you mentioned on your return. If your account is not active, the IRS will mail your check to your address of record (on the address that you specified on your last tax return). You are not allowed to update your bank account information once your check has been scheduled for delivery, and you cannot change your bank account information, which you filled in at the time of filing your returns. 

  • You can easily use the Get My Payment Tool to keep track of your IRS stimulus check once the system has processed your tax return.

  • Please note that if your refund was linked to the Refund Anticipation Loan (RAL), Refund Anticipation Check (RAC), or any product, the IRS will not give your check to the lender, but will try to send your check through direct deposit or mail. 

If you have filed a federal income tax return for 2018 or 2019 and need to pay taxes or failed to choose a direct deposit for your refund, then you can use the Get My Payment Tool to enter the correct information of your direct deposit account once the IRS has processed your tax return. If that tool doesn’t give you access to make changes, that means the IRS will mail your stimulus check. 

If you haven’t filed a federal tax return for 2018 or 2019 and expect a tax refund, you will be asked to file your 2019 individual tax return electronically (paperwork may take a longer time). If you opt for direct deposit for your tax refund, your stimulus check will be deposited to that account; if you do not opt for direct deposit, you may get access to use the Get My Payment Tool to enter account information after the IRS has processed your tax return. If that tool doesn’t give you access to make changes, that means the IRS will mail your stimulus check.

If you haven’t filed a federal income return for 2018 or 2019, but you’re expected to repay taxes, you will be asked to file your 2019 individual tax return electronically (because paperwork may take a longer time). You may get access to use the Get My Payment Tool to enter account information after the IRS has processed your tax return. If that tool doesn’t give you access to make changes, that means the IRS will mail your stimulus check.

If you’re not eligible to file a federal income tax return for 2018 or 2019 and get Social Security retirement, SSI, disability (SSDI), or survivor benefits or Railroad Retirement benefits, you’re in a good position and don’t need to do anything. The IRS will immediately deposit or send your check in the bank account where you get your benefit, including Direct Express debit card for SSI recipients. The stimulus check will remain unaffected by these benefits.

 But if you are an SSA or RRB Form 1099 recipient or SSI benefit recipient, your information may not be available using the tool.

If you are not eligible to file a federal income tax return for 2018 or 2019, and you do not get Social Security retirement, SSI, disability (SSDI), or survivor benefits or Railroad Retirement benefits, then you must use the Non-Filer tool. When you use this tool and enter your bank account information, the IRS will deposit your check directly into your account. In some cases, the IRS will send you a mail to send your check. 

  • You can easily use the Get My Payment Tool to keep track of your IRS stimulus check once the system has processed your tax return in the Non-Filers tool. 

We must mention here that only U.S. citizens, permanent residents, and resident aliens will qualify to get these checks (non-resident aliens do not qualify). You need to have a valid Social Security number (not an ITIN). If you are a dependent (filing a separate tax return), you will not be eligible for a check. 

One more thing that we want to mention here is that the stimulus check is NOT taxable and will not impact your IRS 2020 refund. 

If you are checking your check status multiple times a day, the results won’t change. According to the IRS, their data is updated once a day overnight, so there’s no need to check your status more than once a day. 

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