For additional questions regarding the Get My Payment application check out our Get My Payment FAQs.

Millions of Americans have already received their Economic Impact Payments (Payments) authorized by the Coronavirus Aid, Relief, and Economic Security Act (CARES Act). The Internal Revenue Service (IRS) continues to calculate and automatically send the Payments to most eligible individuals, however some may have to provide additional information to the IRS to get their Payments. Below are answers to frequently asked questions related to these Payments. These questions and answers will be updated periodically. Please DO NOT call the IRS.

EIP Eligibility and General Information

A1. U.S. citizens and U.S. resident aliens will receive the Economic Impact Payment of $1,200 or $2,400 if they filed married filing jointly and if they are not a dependent of another taxpayer and have a work eligible Social Security number with adjusted gross income up to:

  • $150,000 for married couples filing joint returns
  • $112,500 for head of household filers and
  • $75,000 for all other eligible individuals

Taxpayers will receive a 5% reduction in their payment for the amount their AGI is above these amounts.

Eligible retirees and recipients of Social Security retirement, survivor, or disability benefits (SSDI), Railroad Retirement benefits, Supplemental Security Income (SSI) and VA Compensation and Pension (C&P), who do not file a tax return, will receive a $1,200 payment automatically.

These benefit recipients should refer to the Social Security, Railroad Retirement and Department of Veteran Affairs benefit recipients section of the FAQs for additional information.

For eligible taxpayers who filed tax returns for 2019 or 2018, they receive the payments automatically.

For people who have little or no income and didn’t file a tax return or don’t receive any of the federal benefits listed above, they are also eligible for an Economic Impact Payment. They need to register with the Non-Filer tool on IRS.gov as soon as possible so they can receive a payment.

A2. Although some filers, such as high-income filers, will not qualify for an Economic Impact Payment, most will.

Taxpayers likely won't qualify for an Economic Impact Payment if any of the following apply:

  • You do not have any qualifying children and your adjusted gross income is greater than
    • $198,000 if your filing status was married filing jointly
    • $136,500 for head of household
    • $99,000 for all other eligible individuals
  • You can be claimed as a dependent on someone else’s return. For example, this would include a child, student who can be claimed on a parent’s return or a dependent parent who is claimed on their child’s return.
  • You do not have a Social Security number that is valid for employment.
  • You are a nonresident alien.
  • You filed Form 1040-NR or Form 1040NR-EZ, Form 1040-PR or Form 1040-SS for 2019.
  • An incarcerated individual.
  • A deceased individual.
  • An estate or trust.

A3.

People who filed a tax return for 2019 or 2018

No additional action is needed by taxpayers who:

  • have already filed their tax returns this year for 2019. The IRS will use this information to calculate the payment amount.
  • haven’t filed yet for 2019 but filed a 2018 federal tax return. For these taxpayers the IRS will use their information from 2018 tax filings to make the Economic Impact Payment calculations.

People who aren't typically required to file a tax return

Social Security and Railroad Retirement recipients who are not typically required to file a tax return need to take no action. The IRS will use the information on the Form SSA-1099 and Form RRB-1099 to generate Economic Impact Payments of $1,200 to these individuals even if they did not file tax returns in 2018 or 2019. Recipients will receive these payments as a direct deposit or by paper check, just as they would normally receive their benefits. Social Security Disability Insurance (SSDI) recipients are also part of this group who don't need to take action.

There are other individuals such as low-income workers and certain veterans and individuals with disabilities who aren’t required to file a tax return, but they are still eligible for the Economic Impact Payments. Taxpayers can check the IRS.gov tool - Do I Need to File a Tax Return? - to see if  they have a filing requirement.

If you don’t have to file, use the Non-Filers: Enter Payment Info Here application to provide simple information so you can get your payment.

A4. For security reasons, the IRS plans to mail a letter about the economic impact payment to the taxpayer’s last known address within 15 days after the payment is paid. The letter will provide information on how the payment was made and how to report any failure to receive the payment. If a taxpayer is unsure they’re receiving a legitimate letter, the IRS urges taxpayers to visit IRS.gov first to protect against scam artists.

A5. The IRS urges taxpayers to be on the lookout for scam artists trying to use the economic impact payments as cover for schemes to steal personal information and money. Remember, the IRS will not call , text you, email you or contact you on social media  asking for personal or bank account information – even related to the economic impact payments. Also, watch out for emails with attachments or links claiming to have special information about economic impact payments or refunds.

A6. Use our guide to figure out which IRS tool to use to get your payment.

A7. Yes, U.S. citizens living outside the country are eligible for the Payment. Anyone eligible to file Form 1040 or Form 1040-SR is an eligible person if they have a valid SSN and can’t be claimed as a dependent of another taxpayer. Nonresident aliens who file or would file Form 1040-NR or Form 1040-NR-EZ are not eligible for the Payment.

A8. In many cases, the answer is yes. But special rules in the law apply to these five U.S. territories (possessions). In general, the tax authorities in each territory will make Payments to eligible residents. People in these territories with questions about the Payment should contact their local tax authority.

A9. Citizenship or residency status in the Freely Associated States, by itself, does not entitle you to a Payment.  However, if you are a resident of a U.S. territory for the tax year 2020 for U.S. territory income tax purposes, you can be eligible for a Payment from the U.S. territory tax agency.  To determine whether you are eligible for a Payment from a U.S. territory tax agency, consult with your U.S. territory tax agency.   Alternatively, if you are not a resident of a U.S. territory for the tax year 2020 but you are a U.S. citizen or U.S. resident for federal income tax purposes, you may be eligible for a Payment from the IRS.

A10. In general, eligible individuals should not receive a Payment from both the IRS and a U.S. territory tax agency.  If you have received a Payment from more than one jurisdiction and you are a resident of a U.S. territory for the 2020 tax year, please consult your U.S. territory tax agency concerning information about Payments received by U.S. territory residents from the IRS, including incorrect or duplicate Payments.  If you have received a Payment from more than one jurisdiction and you are a NOT a resident of a U.S. territory for the 2020 tax year, you should return any incorrect or duplicate Payments received from the U.S. territory tax agency to the IRS pursuant to the instructions about repayments.

A11. No. A Payment made to someone who died before receipt of the Payment should be returned to the IRS by following the instructions in the Q&A about repayments. Return the entire Payment unless the Payment was made to joint filers and one spouse had not died before receipt of the Payment, in which case, you only need to return the portion of the Payment made to the decedent. This amount will be $1,200 unless adjusted gross income exceeded $150,000. If you cannot deposit the payment because it was issued to both spouses and one spouse is deceased, return the check as described in Returning the Economic Impact Payment section on this page. Once the IRS receives and processes your returned payment, an Economic Impact Payment will be reissued.

The Bureau of Fiscal Services has cancelled outstanding Economic Impact Payment (EIP) checks issued to recipients who may not be eligible, including those who may be deceased.  Recipients should still return these checks as described in Returning the Economic Impact Payment section on this page.

A12. Upon enactment of the CARES Act, the IRS worked with unprecedented speed to issue Economic Impact Payments to individuals. The IRS initially implemented the legislation consistent with processes and requirements used with the 2008 stimulus payments, which resulted in EIPs being issued to certain deceased individuals. After further review, it was determined that those who died before receipt of the EIP should not receive the advance payment, also known as EIP. As a result of the review, IRS and the Bureau of Fiscal Services (BFS) took action to prevent future payments to deceased individuals. The cancellation of uncashed checks is part of this process.

BFS has cancelled outstanding Economic Impact Payment (EIP) checks issued to recipients who may not be eligible, including those who may be deceased. Treasury is encouraging financial institutions and other check cashing entities to determine the status of EIP checks by using Treasury check verification tools.

An EIP made to someone who died before receipt of the EIP should be returned to the IRS by following the instructions in the Economic Impact Payments FAQs on IRS.gov. Recipients should return these checks as described in Returning the Economic Impact Payment section on this page.

Q13. A person who is a nonresident alien in 2020 is not eligible for the Payment. A person who is a qualifying resident alien with a valid SSN is eligible for the Payment only if he or she is a qualifying resident alien in 2020 and could not be claimed as a dependent of another taxpayer for 2020. Aliens who received a Payment but are not qualifying resident aliens for 2020 should return the Payment to the IRS by following the instructions about repayments.

A14. No. A Payment made to someone who is incarcerated should be returned to the IRS by following the instructions about repayments. A person is incarcerated if he or she is described in one or more of clauses (i) through (v) of Section 202(x)(1)(A) of the Social Security Act (42 U.S.C. § 402(x)(1)(A)(i) through (v)). For a Payment made with respect to a joint return where only one spouse is incarcerated, you only need to return the portion of the Payment made on account of the incarcerated spouse. This amount will be $1,200 unless adjusted gross income exceeded $150,000.

Requesting My Economic Impact Payment

A15. You DO NOT need to take any further action if you filed a federal income tax return for 2018 or 2019. If you already filed your tax return for 2019, the IRS will use this information to calculate the Payment amount. If you haven’t filed your tax return for 2019 but filed a 2018 federal income tax return, the IRS will use the information from your 2018 tax return to calculate the Payment amount.

A16. You must provide basic information to the IRS to receive your Payment. The IRS urges you to take one of the following actions as soon as you can.

  • You can use the Non-Filers: Enter Payment Info Here tool to provide simple information to the IRS so you can get your Payment. U.S. citizens and permanent residents can use this tool if they had gross income that did not exceed $12,200 ($24,400 for married couples filing jointly) for 2019 and were not otherwise required to file a federal income tax return for 2019 and didn't plan to do so. This is the quickest way to get your payment.
  • You can file a federal income tax return for 2019 with the IRS even if you receive non-taxable income or do not make enough money to normally have to file a tax return. All taxpayers should file electronically through their tax preparer, tax software provider or IRS Free File if possible.

Have your bank account information available when you use the tool or file so you can get your Payment as quickly as possible. Otherwise, the IRS will mail your Payment to the address you provide.

A17. Use the IRS Interactive Tax Assistant (ITA) online tool that provides answers to tax questions. The Do I Need to File a Tax Return? tool can help you determine if you're required to file a 2019 federal income tax return.

Answer the questions about your filing status, federal income tax withheld, and basic information to help you determine your gross income to see if you need to file a 2019 tax return. If you had no income or income under a certain amount, you are not required to file a tax return. If you are not required to file a tax return, the Non-Filers: Enter Payment Info Here tool is the fastest way to get your Payment.

A18. No. The IRS used the information from your 2018 tax return to calculate the Payment amount since you haven’t filed your 2019 return yet.

 If you did not receive the full amount to which you believe you are entitled, you will be able to claim the additional amount when you file your 2020 tax return.  We encourage everyone to review our “How do I calculate my EIP Payment” question and answer.

Notice 1444, Your Economic Impact Payment, will be mailed to your last known address within a few weeks after the Payment is made. The notice will provide information about your Economic Impact Payment. Keep it with your records. When you file your 2020 tax return next year, you can refer to Notice 1444 and claim additional credits on your 2020 tax return if you are eligible for them. The IRS will provide further details on IRS.gov on the action you may need to take.

A19. Payments will be made throughout the rest of 2020. If you don’t receive a Payment this year, you can also claim it by filing a tax return for 2020 next year.

A20. The IRS will not call, email, or text you about your Payment. The IRS will not contact you to request personal or bank account information. Watch out for websites and social media attempts that request money or personal information and for schemes tied to Economic Impact Payments.

The IRS urges taxpayers to visit IRS.gov – the official IRS website – to protect against scam artists. The IRS has issued a warning about coronavirus-related scams.

For security reasons, a letter about the Payment will be mailed to each recipient’s last known address within 15 days after the Payment is made.

Calculating My Economic Impact Payment

A21. Eligible individuals who file a joint tax return will receive up to $2,400 and all other eligible individuals will receive up to $1,200. Those with qualifying children will receive up to an additional $500 per qualifying child. A qualifying child is a child who meets the conditions outlined on our Qualifying Child Requirements page.
Eligible individuals don’t need a minimum income for the Payment. However, for higher income individuals, the Payment amount is reduced by 5% of the amount that their adjusted gross income exceeds:

  • $150,000 for taxpayers filing a joint return
  • $112,500 for taxpayers filing as head of household
  • $75,000 for all others

The $1,200 Payment for eligible individuals with no qualifying children ($2,400 for married couples filing a joint return) will be reduced to $0 once adjusted gross income reaches the following thresholds:

  • $198,000 for taxpayers filing a joint return
  • $136,500 for taxpayers filing as head of household
  • $99,000 for all others
    Each of these adjusted gross income threshold amounts increases by $10,000 for each additional qualifying child.
    For example, because families with one qualifying child receive an additional $500 Payment, their $1,700 Payment ($2,900 for married couples filing a joint return) will be reduced to $0 once adjusted gross income reaches the following thresholds:
  • $208,000 for taxpayers filing a joint return
  • $146,500 for taxpayers filing as head of household
  • $109,000 for all others

Follow examples in How do I calculate my EIP? (PDF) chart to determine your payment amount.

A22. No, when spouses file jointly, both spouses must have valid SSNs to receive a Payment with one exception. If either spouse is a member of the U.S. Armed Forces at any time during the taxable year, only one spouse needs to have a valid SSN.

If spouses file separately, the spouse who has an SSN may qualify for a Payment; the other spouse without a valid SSN will not qualify.

A23. A valid SSN for a Payment is one that is valid for employment and is issued by the SSA before the due date of your 2019 tax return (including the filing deadline postponement to July 15 and an extension to October 15 if you request it) or your 2018 tax return (including extensions) if you haven’t filed your 2019 tax return.

If the individual was a U.S. citizen when they received the SSN, then it is valid for employment. If “Not Valid for Employment” is printed on the individual’s Social Security card and the individual’s immigration status has changed so that they are now a U.S. citizen or permanent resident, ask the SSA for a new Social Security card. However, if “Valid for Work Only With DHS Authorization” is printed on the individual's Social Security card, the individual has the required SSN only as long as the Department of Homeland Security authorization is valid.

A24. The Payment in 2020 will not include an additional amount for these children because the Payment in 2020 is based only on information from your 2019 or 2018 tax return. You may claim the child next year for an additional credit on your 2020 tax return.

A25. No, your child will not receive a Payment in 2020 because you claimed her as a dependent on your 2019 tax return. She will not receive a $1,200 credit in 2021 if you can claim her as a dependent on your 2020 tax return.

However, if your child can’t be claimed as a dependent by you or anyone else for 2020, she may be eligible to claim a $1,200 credit on the 2020 tax return she files next year.

A26. No, you will not receive an additional Payment amount for your mom because she is not your qualifying child under age 17. Your mom will not receive her own Payment because you claimed her as a dependent on your 2019 tax return. You mom will not receive a credit in 2021 if you can claim her as a dependent on your 2020 tax return.

A27. Payment amounts vary based on income, filing status and family size. If you filed a 2019 tax return, the IRS used information from it about you, your spouse, your income, filing status and qualifying children to calculate the amount and issue your Payment. If you haven’t filed your 2019 return or it has not been processed yet, the IRS used the information from your 2018 return to calculate the amount and issue your Payment. The IRS is not able to correct or issue additional payments at this time and will provide further details on IRS.gov on the action people may need to take in the future.

If you did not receive the full amount to which you believe you are entitled, you will be able to claim the additional amount when you file your 2020 tax return.  This is particularly important for individuals who may be entitled to the additional $500 per qualifying child payments. See the question earlier in this section on determining the amount of your Economic Impact Payment.

Keep the Notice 1444, Your Economic Impact Payment, you will receive regarding your Economic Stimulus Payment with your records. This notice will be mailed to each recipient’s last known address within a few weeks after the Payment is made. When you file your 2020 tax return next year, you can refer to Notice 1444 and claim additional credits on your 2020 tax return if you are eligible for them. The IRS will provide further details on IRS.gov on the action they may need to take.

Receiving My Payment

A28. No, with one exception. The Payment may have been offset only by past-due child support. The Bureau of the Fiscal Service will send you a notice if an offset occurs.

If you are married filing jointly and you filed an injured spouse claim with your 2019 tax return (or 2018 tax return if you haven’t filed your 2019 tax return), half of the total Payment will be sent to each spouse and your spouse’s Payment will be offset only for past-due child support. There is no need to file another injured spouse claim for the Payment.

The IRS is aware that in some instances a portion of the payment sent to a spouse who filed an injured spouse claim with his or her 2019 tax return (or 2018 tax return if no 2019 tax return has been filed) has been offset by the non-injured spouse’s past-due child support. The IRS is working with the Bureau of Fiscal Service and the U.S. Department of Health and Human Services, Office of Child Support Enforcement, to resolve this issue as quickly as possible. If you filed an injured spouse claim with your return and are impacted by this issue, you do not need to take any action. The injured spouse will receive their unpaid half of the total payment when the issue is resolved. We apologize for any inconvenience this may have caused.

A29. If you received direct deposit of your refund based on your 2019 tax return (or 2018 tax return if you haven’t filed your 2019 tax return), the IRS has sent your Payment to the bank account provided on the most recent tax return. If you filed a Form 8888, Allocation of Refund, with your tax return to split your refund into multiple accounts, your Payment was deposited to the first bank account listed. You cannot change your account information.

If you filed your 2019 or 2018 tax return but did not receive your refund by direct deposit, your Payment will be mailed to the address we have on file even if you also receive Social Security, Railroad Retirement or Veterans Affairs benefits by direct deposit. This is generally the address on your most recent tax return or as updated through the United States Postal Service (USPS).

A30. If the account is closed or no longer active, the bank will return the deposit and you will be issued a check or, for a smaller group, a prepaid debit card that will be mailed to the address we have on file for you. This is generally the address on your most recent tax return or as updated through the United States Postal Service (USPS). You do not need to call the IRS to change your Payment method or update your address at this time.  If you receive a debit card and have any questions regarding how to use the card please go to EIPcard.com for more information.

As required by law and for security reasons, a letter about the Payment will be mailed to each recipient’s last known address within 15 days after the Payment is made. The letter will provide information on how the Payment was made  and how to report any failure to receive the Payment.

A31. No, the IRS will not send Payments to accounts used to make a payment to the IRS. If we do not have bank information for you, your Payment will be mailed to the address we have on file for you.

A32. You can find this information on one of your checks, through your online banking applications, or by contacting your financial institution directly. Make sure to enter the routing number, account number, and account type (checking or savings) correctly.

A33. We will mail your Payment to the address we have on file for you. This is generally the address on your most recent tax return or as updated through the United States Postal Service (USPS). Your payment will be made either by check or, in more limited situations, by a prepaid debit card.  If you receive a debit card and have any questions regarding how to use the card please go to EIPcard.com for more information.

A34. If you need to change your address, see Address Changes.

If the IRS receives your payment back because the Post Office was unable to deliver it, we will update your payment status to “Need More Information,” on the Get My Payment application at which point you will be able to enter your bank account information.

If you don’t provide your bank account information, the IRS will hold your Economic Impact Payment until we receive your updated address.

A35. Your bank account information is obtained from the most recently filed tax return or from our Get My Payment application if you provided the information through it.

If you haven’t filed a 2018 or 2019 tax return and you received SSA, RRB or VA benefits, your bank account information may be obtained from SSA or VA. You will receive your Payment as a direct deposit or by mail, just as you would normally receive your benefits. You will not be able to use Get My Payment to provide your bank account information.

A36. It is possible we do not have the correct bank account information for you, or your financial institution rejected the direct deposit. In either case, your Payment will be mailed to the address we have on file for you.

A37. The CARES Act limits offsets of Economic Impact Payments to past-due child support. No other Federal or state debts that normally offset your tax refunds will reduce the EIP. Nevertheless, tax refunds paid under the Internal Revenue Code, including the Economic Impact Payment, are not protected from garnishment by creditors once the proceeds are deposited into an individual’s bank account.

A38. Most individuals receive only one Economic Impact Payment.

If you believe you received more than one Economic Impact Payment (EIP) make sure that one is not:

  • Your tax year 2019 tax refund. Check the refund amount on your Form 1040 or 1040-SR for tax year 2019.
  • Your unemployment compensation payment. Some states are issuing back payments in a single check or direct deposit.
  • An EIP for someone else in your household. For example, you may have a family member who receives federal benefits or have an adult child who shares your name or bank account.

Each economic impact payment made will have a Notice 1444 mailed to the individual who has received the payment, the notice includes the recipient name and amount received.

If after checking the items above you believe you received a payment in error, return one of the payments using the instructions in the FAQs about returning an Economic Impact Payment.

Prepaid Debit Cards

A39. Maybe. It depends on your prepaid card and whether your payment has already been scheduled.  Many reloadable prepaid cards have account and routing numbers that you could provide to the IRS through the Get My Payment application or Non-Filers: Enter Payment Info Here tool.  You would need to check with the financial institution to ensure your card can be re-used and to obtain the routing number and account number, which may be different from the card number.  If you obtained your prepaid debit card through the filing of a federal tax return, you must contact the financial institution that issued your prepaid debit card to get the correct routing number and account number. Do not use the routing number and account number shown on your copy of the tax return filed. When providing this information to the IRS, you should indicate that the account and routing number provided are for a checking account unless your financial institution indicates otherwise.

A40. Some payments may be sent on a prepaid debit card known as The Economic Impact Payment Card  The Economic Impact Payment Card is sponsored by the Treasury Department’s Bureau of the Fiscal Service, managed by Money Network Financial, LLC and issued by Treasury’s financial agent, MetaBank®, N.A.

If you receive an Economic Impact Payment Card, it will arrive in a plain envelope from “Money Network Cardholder Services.”  The Visa name will appear on the front of the Card; the back of the Card has the name of the issuing bank, MetaBank®, N.A. Information included with the Card will explain that the card is your Economic Impact Payment Card.  Please go to EIPcard.com for more information.

A41. Yes. The limit on ACH transfers to a bank account is $2,500 per transaction. This is an increase from the previously announced amount of $1,000 per transfer. You can easily transfer the money from your Card to an existing bank account online at EIPcard.com or using the Money Network Mobile App. You will need the Routing and Account number for your bank account. To transfer funds:

  1. Call 800-240-8100 (TTY: 800-241-9100) to activate your Card.
  2. Register for online or mobile app access by going to EIPCard.com or the Money Network Mobile App and click on “Register”. Follow the steps to create your User ID and Password. Be sure to have your EIP Card handy.
  3. Select Move Money Out and follow the steps to set up your ACH transfer. Transfers should post to your bank account in 1-2 business days.

A42. Not at this time. For those who don’t receive their Economic Impact Payment by direct deposit, they will receive their payment by paper check, and, in a few cases, by debit card. The determination of which taxpayers receive a debit card will be made by the Bureau of the Fiscal Service (BFS), another part of the Treasury Department that works with the IRS to handle distribution of the payments. BFS is sending nearly 4 million debit cards to taxpayers starting in mid-May. At this time, taxpayers cannot make a selection to receive a debit card. Please go to EIPcard.com for more information.

A43. Individuals who have lost or destroyed their EIP Card may request a free replacement through MetaBank® Customer Service. The standard fee will be waived for the first reissuance of any EIP Card.  Any initial reissuance fee charged to a customer from an earlier date will be reversed. Individuals do not need to know their card number to request a replacement. Individuals may request a replacement by phone at 800-240-8100 (option 2 from main menu).

The Economic Impact Payment Card is sponsored by the Treasury Department’s Bureau of the Fiscal Service, managed by Money Network Financial, LLC and issued by Treasury’s financial agent, MetaBank®, N.A. If you receive an Economic Impact Payment Card, it will arrive in a plain envelope from “Money Network Cardholder Services.”  The Visa name will appear on the front of the Card; the back of the Card has the name of the issuing bank, MetaBank®, N.A. Information included with the Card will explain that the card is your Economic Impact Payment Card. Please go to EIPcard.com for more information and additional FAQs.

A44. If the issue is with the last name on the card (i.e., issued in a previous name such as a maiden or married name), the payee with the first name on the first line can still activate the card and/or validate identity to continue activation. For other name related issues or questions (i.e., incorrect spelling), contact MetaBank®, N.A. at 800-240-8100, or visit EIPcard.com.

A45. Taxpayers who were mailed a debit card for their Economic Impact Payment but haven’t activated it yet will receive a letter in early July reminding them that they can activate it to access their money or obtain a free replacement card if needed.

The debit cards were originally mailed in May and June to about 4 million people who were eligible for an Economic Impact Payment and would have otherwise received a check. The debit cards were issued by MetaBank®, N.A. and came in a plain envelope from Money Network Cardholder Services.

For the reminder mailing, the Treasury Department logo will be visible on the envelope and letter. The left front of the envelope will clearly include this notation: “Not a bill or an advertisement. Important information about your Economic Impact Payment.” The inside of the letter will include instructions for people who haven’t activated their card yet and includes a picture of what the debit card looks like.

People expecting EIP payments should look for this mailing and activate their debit cards as soon as possible. Once the card is activated, people can transfer the funds to a bank account, get cash surcharge-free at an In-Network ATM or use in other ways.

For more information, visit EIPcard.com. Additional information, including answers to frequently asked questions and other resources is available at IRS.gov/coronavirus.

Payment Issued but Lost, Stolen, Destroyed or Not Received

A46. If you received your Payment by check and it was either lost, stolen or destroyed, you should request a payment trace. See the FAQ later in this section for more information on payment tracing

A47. If you received Notice 1444 in the mail and have not received your Payment as mentioned in the notice, see the FAQ later in this section for more information on payment tracing.

Note: Do not request a payment trace if you are trying to determine eligibility for the payment or the amount of Payment you should have received.  You must have been issued Notice 1444 or received a payment date from Get My Payment to perform a trace.

A48. If your payment was issued by direct deposit, your first step is to check with your bank and make sure they didn’t receive a deposit.

You should request a trace on your Payment if you received Notice 1444 or Get My Payment shows your payment was issued on a specific date, but you have not received it and it has been more than:

  • 5 days since the scheduled deposit date
  • 4 weeks since it was mailed by check to a standard address
  • 6 weeks since it was mailed, and you have a forwarding address on file with the local post office
  • 9 weeks since it was mailed, and you have a foreign address

Do not request a Payment trace to determine if you were eligible for a payment, the amount of payment you should have received, or you have not received a Notice 1444 or a payment date from Get My Payment.

How we process your claim

We will process your claim for a missing payment in one of two ways:

  • If the check was not cashed, we will issue a replacement. If you find the original check, you must return it as soon as possible.
  • If the refund check was cashed, the Bureau of the Fiscal Service (BFS) will send you a claim package that includes a copy of the cashed check. Follow the instructions. BFS will review your claim and the signature on the canceled check before determining whether they can issue you a replacement check.

You will generally receive a response 6 weeks after we receive your request for a Payment trace, but there may be delays due to limited staffing. Get up-to-date status on affected IRS operations and services.

A trace on an Economic Impact Payment (EIP) follows the same process as a trace on a tax refund. To start a Payment trace:

  • Call us at 800-919-9835 (you may experience long wait times or recorded help because our staffing is limited)

or

  • Submit a completed Form 3911, Taxpayer Statement Regarding Refund (PDF)
  • If you submit the form and you are Married Filing Jointly, both spouses must sign the form;
  • Write “EIP” on the top of the form and complete Sections I, II and III;
  • Answer the refund questions as they relate to your EIP;
  • When completing Number 7 under Section I, check the box for “Individual” as the Type of return; enter “2020” as the tax period and leave the date filed blank;
  • Mail or fax the form to:
If you live in… then mail to this address… or fax to...
Maine, Maryland, Massachusetts, New Hampshire, Vermont Andover Internal Revenue Service
310 Lowell St.
Andover, MA 01810
855-253-3175
Georgia, Iowa, Kansas, Kentucky, Virginia Atlanta Internal Revenue Service
4800 Buford Hwy
Chamblee, GA 30341
855-275-8620
Florida, Louisiana, Mississippi, Oklahoma, Texas Austin Internal Revenue Service
3651 S Interregional Hwy 35
Austin, TX 78741
855-203-7538
New York Brookhaven Internal Revenue Service
1040 Waverly Ave. 
Holtsville, NY 11742
855-297-7736
Alaska, Arizona, California, Colorado, Hawaii, Nevada, New Mexico, Oregon, Utah, Washington, Wisconsin, Wyoming Fresno Internal Revenue Service
5045 E Butler Avenue
Fresno, CA 93888
855-332-3068
Arkansas, Connecticut, Delaware, Indiana, Michigan, Minnesota, Missouri, Montana, Nebraska, New Jersey, Ohio, West Virginia Kansas City Internal Revenue Service
333 W Pershing Rd.
Kansas City, MO 64108
855-344-9993
Alabama, North Carolina, North Dakota, South Carolina, South Dakota, Tennessee Memphis Internal Revenue Service
5333 Getwell Rd.
Memphis, TN 38118
855-580-4749
District of Columbia, Idaho, Illinois, Pennsylvania, Rhode Island Philadelphia Internal Revenue Service
2970 Market St.
Philadelphia, PA 19104
855-404-9091
A foreign country, U.S. possession or territory*, or use an APO or FPO address, or file Form 2555 or 4563, or are a dual-status alien. Austin Internal Revenue Service
3651 S Interregional Hwy 35
Austin, TX 78741
855-203-7538

 Note: Do not send anything other than a Form 3911 to the fax numbers above.

Non-Filer Tool

A49. Yes. This may include, but is not limited to, low-income or no-income individuals. Use the Non-Filers: Enter Payment Info Here tool. The IRS won’t have the information necessary to issue you an Economic Impact Payment - unless you provide some basic information for yourself, your spouse and any qualifying children under 17. Entering your bank account information will allow the IRS to deposit your payment directly in your account.  Otherwise, your Payment will be mailed to you.

A50. No. To get a $1,200 Payment, you don’t need to use Non-Filers: Enter Payment Info Here. The IRS will automatically direct deposit or mail your Economic Impact Payment to where you normally receive your benefit.
If your spouse didn't receive federal benefits in 2019 and is not required to file a federal income tax return for 2019 or 2018, you may provide additional information using the Non-Filers: Enter Payment Info Here tool to get your Economic Impact Payment of $2,400 for you and your spouse plus the additional amount if you have qualifying children under age 17.

A51. No. You don’t need to do anything else to get your Economic Impact Payment. You will automatically get your payment deposited directly into your account if we have your direct deposit information on file. 
If the direct deposit account is no longer active, the IRS will automatically mail your payment to your address of record (this is generally the address on your last return or as updated through the United States Postal Service (USPS)).

If you filed a tax return for 2019 or 2018, do not use Non-Filers: Enter Payment Info Here.

Do not use the Non-Filers: Enter Payment Info Here tool, if you are required to file a 2019 tax return and have not filed yet. Doing so may delay your Payment, processing your tax return and delay your tax refund.

A52. No, the Non-Filers: Enter Payment Info Here tool cannot be used if you already filed a 2019 tax return. If we do not have bank information for you, your Payment will be mailed to the address we have on file for you.

A53. The IRS will automatically issue the additional $500 EIP per qualifying child to affected individuals in early August for those who used the Non-Filers tool before May 17, 2020.   Direct deposit payments are scheduled for August 5, 2020, and paper checks or debit cards are scheduled to be mailed August 7, 2020. You can use Get My Payment to check the status of the $500 EIP per qualifying child, and you will receive another notice in the mail letting you know the $500 EIP per qualifying child was issued.

If you received your EIP by direct deposit, the additional $500 EIP per qualifying child will be direct deposited to the same bank account.

If you received your EIP in the mail, the additional $500 EIP per qualifying child will be mailed to your address of record.

If you used the Non-Filers tool on or after May 17, 2020, your EIP included $500 per qualifying child.

A54. You should not use the Non-Filers: Enter Payment Info Here tool if any of the following apply:

  • You already filed a 2019 tax return.
  • You are required to file a 2019 tax return
  • You already received your Economic Impact Payment based on your 2018 or 2019 return, even if you think you did not receive the full amount (for example, because you have a newly born child in 2020 who was not reported on your 2019 return).
  • You are not required to file a return and already received your Payment based on your 2019 Social Security retirement, survivor or disability benefits (SSDI), Railroad Retirement benefits, Supplemental Security Income (SSI) and Veterans Affairs benefits even if you think you did not receive the full amount.
  • Someone claimed you as a dependent on their 2019 tax return.
  • You weren’t a U.S. citizen or U.S. permanent resident (green card holder) in 2019. Those who were resident aliens in 2019 because they satisfied the “substantial presence test” and qualify for the Payment must file a tax return to receive the Payment.
  • You don’t have a Social Security Number valid for employment.

A55. The Economic Impact Payment’s Non-Filers tool was not intended for use by taxpayers who also needed to file a tax return with the IRS for tax year 2019. If you used the Non-Filers tool to register for an Economic Impact Payment, you cannot now file your tax return electronically.  You must complete and print a paper 2019 Form 1040 or 1040-SR tax return, write “Amended EIP Return” at the top, and mail it to the IRS.  If you owe tax, you should pay it in full by the July 15 due date.  Interest will be charged after July 15 on any amounts that are not paid by July 15. For more information, visit the Amended EIP Return page.

Social Security, Railroad Retirement and Department of Veteran Affairs benefit recipients

A56. Please review all scenarios below to determine if action is needed.

If you have not filed a 2019 or 2018 tax return and are NOT required to file, and you do not have a spouse or qualifying children to claim:

You do not need to take any action. You do not need to contact the IRS, Social Security Administration (SSA), the Railroad Retirement Board (RRB) or Veterans Affairs. The IRS will use the information from your 2019 benefits to generate a Payment to you. You will receive your automatic Payment as a direct deposit or by mail, just as you would normally receive your federal benefits. For example, if your benefits are currently deposited to a Direct Express card, your EIP will also be deposited to that card. If your benefits are currently deposited to your bank account, your EIP will also be deposit to that account. You can check Get My Payment for the status.

If you have already filed a 2019 or 2018 tax return:

You do not need to take any action if you already filed a tax return (this includes filing a joint return with your spouse). The IRS will use information on your tax return to determine if you are eligible for the Economic Impact Payment. If you haven’t filed a 2019 return yet but did file a 2018 return or if the IRS has not finished processing your 2019 tax return, we will send the Economic Impact Payment automatically using the information provided on the 2018 tax return. If your return included information on your direct deposit account for any tax refund, the Payment will be sent to the same account. You can check the Get My Payment application for the status of your Payment.

IRS won’t have direct deposit information if you owed tax, applied your refund to the 2020 estimated tax, or received a refund check instead of a direct deposit on the most recently filed tax return.

If you have not filed a 2019 or 2018 tax return and are required to file:

If you are required to file a tax return or plan to file to claim certain credits, you should file your 2019 return as soon as possible to receive your Economic Impact Payment. Consider using IRS Free File to electronically file your return. Filing electronically and using the Direct Deposit option is the fastest and most secure way to get your refund and Economic Impact Payment.

If you don’t provide direct deposit refund information or owe tax when you file your 2019 return, the IRS will schedule your Payment to be issued by mail to the address you provide on the return.

Do not use the Non-Filers: Enter Payment Info Here tool if you are required or plan to file a 2019 tax return. Using the Non-Filers: Enter Payment Info Here tool will make it necessary for you to amend your tax return which, in turn, delays the processing of the tax return and any tax refund claimed on it.  Moreover, a delay in processing of your tax return will lead to a delay in your Economic Impact Payment.

If you have not filed a 2019 or 2018 tax return and are NOT required to file, and you have a spouse or qualifying children to claim:

The benefit recipient will receive your automatic $1,200 Payment. If your spouse is also a benefit recipient, your spouse will also receive an automatic $1,200 Payment.  If you did not register your spouse or a qualifying child using the Non-Filers: Enter Payment Info Here tool before your Payment was scheduled, you and your spouse will each receive an automatic Payment separately. The additional amounts for any qualifying child will be paid based on the 2020 return that you will file in 2021. 

However, while the benefit recipient can no longer use the Non-Filers tool to add their spouse or qualifying children, people in this group may have a spouse who is not receiving Social Security, Railroad Retirement and VA benefits separately. To receive an Economic Impact Payment, an eligible non-beneficiary spouse may need to take action to receive their $1,200 Payment.

A non-beneficiary spouse of a benefit recipient can still use the Non-Filer tool to get their $1,200 and add any qualifying children if the spouse is an eligible individual and is not required to file a tax return, even if the benefit recipient missed an earlier deadline to do so. If eligible, your spouse may use the Non-Filers tool only if your spouse is not required to file a return for 2019 or 2018 and has not been issued their own Economic Impact Payment. Your spouse should enter information as a “Single” filer in the tool instead of Married Filing Joint.

Caution: Do not use the Non-Filer tool if you are required to file a return. This will delay your Economic Impact Payment and prevent you from filing your tax return electronically.

Note: Direct Express Account Holders: If you use the Non-Filers tool, you cannot receive your payment on your Direct Express card. You may only select a bank account for direct deposit or leave bank information blank and receive the Payment by mail.

If you were claimed as a dependent on someone else’s return:

You do not need to take any action.  You do not qualify for the Economic Impact Payment; you can be claimed as a dependent on someone else’s tax return. However, if you are not someone’s dependent in the 2020 tax year, you may be able to claim the credit by filing a 2020 tax return in 2021.

A57. Most Social Security and Railroad Retirement recipients who receive a Form SSA-1099 or RRB-1099 have already been issued their Economic Impact Payment. You can check Get My Payment application for the status of your Payment.

Supplemental Security Income (SSI) and Veteran benefit recipient will start receiving their Economic Impact Payments mid-May. They can check the Get My Payment application for the status of their Payment.

Note: The Get My Payment application will show “Payment Status Not Available” until the payment is being issued. This response does not mean you are not eligible or will not receive a Payment.

If you used the Non-Filers tool, however, your Payment will generally be issued within two weeks from the date when you used the tool.

A58. If you did not file a tax return or use the Non-Filer tool to claim a spouse or any qualifying children, your Economic Impact Payment will be $1,200.

If you filed a tax return or used the Non-Filer tool to claim a spouse or qualifying children, your Economic Impact Payment will be based on the return filed or the information you entered in the Non-Filer tool.

A59. The answer to this question, depends on your situation. Please review the scenarios below to see which fits your situation and if any action is required.

You were claimed as a dependent on someone else’s tax return and are 17 or older:

You do not need to take any action.  You do not qualify for the Economic Impact Payment if you can be claimed as a dependent on someone else’s tax return. However, if you are not someone’s dependent in the 2020 tax year, you may be able to claim the credit by filing your 2020 tax return in 2021.

If you already filed a 2018 or 2019 tax return:

You do not need to take any action if you already filed a tax return (this includes filing a joint return with your spouse who receive the Federal benefits). The IRS will use information from your tax return to determine if you are eligible for the Economic Impact Payment. If you haven’t filed a 2019 return yet but did file a 2018 return or if the IRS has not finished processing your 2019 tax return, we will send the Economic Impact Payment automatically using the information provided on the 2018 tax return. If your included information on your direct deposit account for any tax refund, the Payment will be sent to the same account. You can check the Get My Payment application for the status of your Payment.

IRS won’t have direct deposit information if you owed tax, applied your refund to the 2020 estimated tax, or received a refund check instead of a direct deposit on the most recently filed tax return. 

If you did not file a 2019 or 2018 tax return and are required to file:

If you are required to file a tax return or plan to file to claim certain credits, you should file your 2019 return as soon as possible to receive your Economic Impact Payment. Consider using IRS Free File to electronically file your return. Filing electronically and using the Direct Deposit option is the fastest and most secure way to get your refund and Economic Impact Payment.

If you don’t provide direct deposit refund information or owe tax when you file your 2019 return, the IRS will schedule your Payment to be issued by mail to the address you provide on the return.

Note: If you are also an SSA, RRB, SSI or VA recipient, it is possible you may receive the Economic Impact Payment based on your benefits, before your 2019 return is processed. 

Do not use the Non-Filers: Enter Payment Info Here tool if you are required or plan to file a 2019 tax return. Using the Non-Filers: Enter Payment Info Here tool will make it necessary for you to amend your tax return which, in turn, delays the processing of the tax return and any tax refund claimed on it.  Moreover, a delay in processing of your tax return will lead to a delay in your Economic Impact Payment.

You also receive SSA SSI RRB or VA benefits and are not required to file a return:

If you are also a benefit recipient, you should receive your Economic Impact Payment automatically.  If you did not register your spouse or a qualifying child using the Non-Filers: Enter Payment Info Here tool before your Payment was scheduled, you and your spouse will each receive an automatic Payment separately if you are both eligible. Neither you nor your spouse can use the Non-Filers tool to add qualifying children since the deadline to do so has passed. The additional amounts for any qualifying child will be paid based on the 2020 return that you will file in 2021. 

If you used the Non-Filer tool or your spouse used the Non-Filer tool and included you as their spouse, check the Get My Payment application for the status of your Payment. It should be scheduled within two weeks from the date when you used the tool.  Until the Payment is scheduled, the application will show “Payment Status Not Available.”

If your spouse has already received their Payment and you have not, check the Get My Payment application to see if your Payment has been scheduled.

Your spouse already received their $1,200, you are not a benefit recipient and are not required to file a 2019 tax return:

If you are eligible, use the Non-Filers: Enter Payment Info Here application to provide simple information so you can get your payment. You should enter your information as a “Single” filer in the tool instead of Married Filing Joint.

A60. If you filed a 2019 or 2018 tax return: Your Payment was or will be sent to the bank account provided on your tax return for a direct deposit of your tax refund, or mailed to the address we have on file if a tax refund was mailed or  there was no refund on your tax return.
If you did not file a 2019 or 2018 tax return:

  • An Individual Representative Payee should be receiving EIPs to the same direct deposit account or Direct Express card as the recipient’s monthly benefit payment. The mailing of these Payments to payees is underway.
  • For an Organizational Representative Payee, the schedule above is the same, except that the payee may receive the EIP electronically or by mail.

See Social Security & Coronavirus Disease (COVID-19) for more information.

Returning the Economic Impact Payment

A61. You should return the payment as described below.

If the payment was a paper check:

  1. Write "Void" in the endorsement section on the back of the check.
  2. Mail the voided Treasury check immediately to the appropriate IRS location listed below.
  3. Don't staple, bend, or paper clip the check.
  4. Include a brief explanation stating the reason for returning the check. 

If the payment was a paper check and you have cashed it, or if the payment was a direct deposit:

  1. Submit a personal check, money order, etc., immediately to the appropriate IRS location listed below.
  2. Write on the check/money order made payable to “U.S. Treasury” and write 2020EIP, and the taxpayer identification number (social security number, or individual taxpayer identification number) of the recipient of the check.
  3. Include a brief explanation of the reason for returning the EIP.

For your paper check, here are the IRS mailing addresses to use based on the state:

If you live in… then mail to this address
Maine, Maryland, Massachusetts, New Hampshire, Vermont Andover Internal Revenue Service
310 Lowell St.
Andover, MA 01810
Georgia, Iowa, Kansas, Kentucky, Virginia Atlanta Internal Revenue Service
4800 Buford Hwy
Chamblee, GA 30341
Florida, Louisiana, Mississippi, Oklahoma, Texas Austin Internal Revenue Service
3651 S Interregional Hwy 35
Austin, TX 78741
New York Brookhaven Internal Revenue Service
1040 Waverly Ave.  
Holtsville, NY 11742
Alaska, Arizona, California, Colorado, Hawaii, Nevada, New Mexico, Oregon, Utah, Washington, Wisconsin, Wyoming Fresno Internal Revenue Service
5045 E Butler Avenue
Fresno, CA 93888
Arkansas, Connecticut, Delaware, Indiana, Michigan, Minnesota, Missouri, Montana, Nebraska, New Jersey, Ohio, West Virginia Kansas City Internal Revenue Service
333 W Pershing Rd.
Kansas City, MO 64108
Alabama, North Carolina, North Dakota, South Carolina, South Dakota, Tennessee Memphis Internal Revenue Service
5333 Getwell Rd.
Memphis, TN 38118
District of Columbia, Idaho, Illinois, Pennsylvania, Rhode Island Philadelphia Internal Revenue Service
2970 Market St.
Philadelphia, PA 19104
A foreign country, U.S. possession or territory*, or use an APO or FPO address, or file Form 2555 or 4563, or are a dual-status alien. Austin Internal Revenue Service
3651 S Interregional Hwy 35
Austin, TX 78741

A62. If you received your EIP as a debit card and want to return the money to the IRS and NOT have the payment re-issued, send the card along with a brief explanation stating you don’t want the payment and do not want the payment re-issued:

Money Network Cardholder Services
5565 Glenridge Connector NE
Mail Stop GH-52
Atlanta, GA 30342

Reconciling on your 2020 tax return

A63. Keep the notice you received regarding your Economic Impact Payment with your 2020 tax records. These notices are mailed to each recipient’s last known address within 15 days after the Payment is made. The IRS will provide information on what actions you need to take when you file your 2020 tax return when they are available.

A64. No, the Payment is not includible in your gross income.  Therefore, you will not include the Payment in your taxable income on your Federal income tax return or pay income tax on your Payment. It will not reduce your refund or increase the amount you owe when you file your 2020 Federal income tax return.

A Payment also will not affect your income for purposes of determining eligibility for federal government assistance or benefit programs.

A65.  No, there is no provision in the law that would require individuals who qualify for a Payment based on their 2018 or 2019 tax returns, to pay back all or part of the payment, if based on the information reported on their 2020 tax returns, they no longer qualify for that amount or would qualify for a lesser amount.

For example, you received $500 for your child who, based on your 2018 or 2019 tax return, met the qualifying child requirements. That child turned 17 in 2020 and no longer meets the qualifying child requirements. You will not be required to pay back the $500.

Or, for example, you received $500 for your child whom you claimed on your 2018 or 2019 tax return. You do not claim the child on your 2020 tax return because the child’s other parent claims the child. You will not be required to pay back the $500 even if the child’s other parent claims $500 for the same child on his or her 2020 tax return. 

Keep Notice 1444, Your Economic Impact Payment, with your 2020 tax records.  The IRS will mail Notice 1444 to your last known address within 15 days after the Payment is made.