Get your stimulus check

Most Illinoisans are eligible for Economic Impact Payments from the federal government. Even if you have no income you are eligible, but you might have to take action to receive your check. If you missed the July 15th deadline to file 2019 taxes, you can still receive a stimulus check.

You could receive up to $1,200 ($2,400 for a married couple) and $500 for each eligible dependent. This site will help take you through each step so you can get your payment as quickly as possible.

Update! Deadline extended for non-tax filers. If you do not need to file taxes, use the non-filer website to request your check prior to November 21st!

Do you receive Social Security, veterans, Supplemental Security Income (SSI), or railroad benefits, but you haven't received your stimulus check? The IRS is now requesting that you use their non-filer website to request your check prior to November 21st! If you received your check but still haven't received your $500 credit for dependents under the age of 17, you can still request it using the IRS non-filer website prior to November 21st.

Learn more about what you'll need to prepare.

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If you have already filed taxes and used direct deposit for your tax return, you are done!

If you are eligible, your stimulus check should be on its way. You might be asking "when will I get my stimulus check?" or "how do I get my stimulus check?" You can check your eligibility or get answers to common questions below. You can also track your payment on the IRS Get My Payment portal. You'll be asked to check okay to confirm that you are an authorized user.

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If you haven’t filed taxes, even if you have no income, don’t miss out.

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Filing your taxes for 2018 or 2019 will put you in line to get your stimulus check. You may also receive a tax refund from the Earned Income Tax Credit, even if you don’t need to file because your income is too low. Not sure if you need to file? Visit the Tax Help page.

Getting a bank account before you file taxes could help speed up your payment. Visit our Banking Help page to learn more about BankOn's safe, online options.

If you don’t have income, you can still receive your stimulus check by entering your payment information on the IRS non-filer portal. Learn more about what you'll need to prepare.

If you need to file your taxes but haven’t yet, visit the Tax Help page for more information on how to get the stimulus check. Currently, the IRS is working through a backlog of paper returns so filing online is your best bet to get your stimulus check sooner.

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Receive your stimulus check faster with direct deposit.

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Waiting for a check by mail could take up to five months. Entering a direct deposit bank account number could help speed up the process. If you have a bank account or prepaid debit card, you can enter your direct deposit information on the IRS website when you file taxes or complete the Nonfiler registration. If you filed taxes earlier this year or last year, you can no longer add bank information to receive direct deposit after May 13th.

Local banks are offering lower cost, safe accounts for people who need a bank account through Bank On. You can apply online. Learn how to get a Bank On account or what to do if you can’t get an account here.

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If you’ve moved since the last time you filed taxes.

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If you’ve moved since you filed your 2018 or 2019 taxes, but the IRS has your bank account information for your refund, you should still get a direct deposit in your account. If the IRS doesn’t have your bank account on file and you’ve moved, your paper check may go to the wrong place.

Was tax year 2018 the last time you filed?
File your 2019 taxes to update the information. Also be sure to change your address with the U.S. Postal Service. If you don’t need to file for 2019, use the IRS non-filer site to register for your payment.

Did you move after filing for 2019?
Be sure to change your address with the U.S. Postal Service.

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If you receive Social Security, veterans benefits, Supplemental Security Income (SSI) or Railroad Retirement benefits.

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People receiving Social Security (including SSDI and SSI), veterans benefits, or Railroad Retirement benefits are not required to file a tax return to receive a stimulus check. You should receive your stimulus check in the same way you normally receive your benefits.

If you haven't yet received your stimulus check, the IRS is now requesting that you use their non-filer website to request your check prior to November 21st! If you have received your stimulus check, but haven't received the $500 credit for your dependents under 17, you can still claim the credit until November 21st using the IRS non-filer website.

Learn more about what you'll need to prepare.

Stimulus Check Commonly Asked Questions

Have you had any problems getting stimulus check or using the IRS website? Let us know so we can ask the IRS to make improvements. Use this 3-question webform to share your story.

Who is eligible to receive a stimulus check?

U.S. citizens or resident aliens who:

  • Have a valid Social Security Number,
  • Cannot be claimed as a dependent of another taxpayer, and
  • Have an adjusted gross income under:
    • $75,000 for individuals
    • $112,500 for individuals who file taxes as head of household
    • $150,000 for married couples filing joint tax returns.

Taxpayers will receive a reduced payment if their adjusted gross income is between:

  • $75,000 and $99,000 if their filing status was single or married filing separately
  • $112,500 and $136,500 for individuals who filed as head of household
  • $150,000 and $198,000 for married couples who filed jointly

The amount of the reduced payment will be based upon the taxpayer’s specific adjusted gross income.

Those who do not make enough money to file a tax return are also eligible. This includes people receiving Social Security retirement, disability (SSDI), survivors benefits, Supplemental Security Income (SSI), veterans benefits, or Railroad Retirement benefits.

Unfortunately, if one spouse does not have a valid Social Security Number, the other is not eligible for a stimulus check, unless one of you is in the US Armed Forces.

What is adjusted gross income?

Adjusted gross income is a number found on your tax return (Line 8b of the 1040 tax form). It is the money you receive (wages, child support, interest, etc.) minus some specific costs, like student loan interest or alimony.

How do I get my stimulus check?

The IRS will use information from your 2019 or 2018 tax return to calculate your payment amount. Economic Impact Payments (stimulus checks) will be deposited directly into the same bank account used for your tax return. The IRS will mail a paper check to tax filers who did not provide a bank account number when they filed taxes and who did not provide updated banking information before May 13th. Some people may receive a prepaid debit card from the government. Do not throw this away! Learn more about how to activate it at www.consumerfinance.gov/about-us/blog/economic-impact-payment-prepaid-card.

People receiving Social Security (retirement, survivors, and disability), veterans benefits, Supplemental Security Income (SSI), or Railroad Retirement benefits will receive the payment automatically and are not required to file a tax return to receive payment. If you haven't yet received your stimulus check, the IRS is now requesting that you use their non-filer website to request your check prior to November 21,2020!

If you have not filed taxes or do not need to file taxes, you can use the Tax Help page to figure out what to do next. You may want to get a bank account first to get a direct deposit check directly to your account. Paper checks could take longer.

When will I get my stimulus check?

The IRS started making payments the week of April 13th. The government is trying to get payments out as quickly as possible. People with bank account information already on file with the IRS will receive their payments fastest. But, paper checks may take longer.

If you have not filed taxes for 2019 yet, the deadline was extended until July 15th. If you do not owe the IRS or the State of Illinois any taxes, you can file taxes after the July 15 filing deadline without a penalty. 

Those who don't need to file taxes have until November 21, 2020 to submit their information to the IRS using the non-filer site in order to get their stimulus payments by the end of 2020.

For both tax filers and non-tax filers, entering bank account information for direct deposit will allow you to get your payment much more quickly. Otherwise, you may have to wait up to five months for a paper check.

Use the IRS Get My Payment app to check the status of your payment. You will be asked to click okay to confirm that you are an authorized user. Information is updated every 24 hours, so you can check again the next day if information is not available.

How do I know if my payment has been sent?

Use the IRS Get My Payment app to check the status of your payment. You'll be asked to click okay to confirm that you are an authorized user. Some people have had to check daily to get updated information.

What if I don’t have any income?

You are still eligible for a payment. If you have not filed taxes in the last two years, you need to submit your information on the IRS non-filer site to receive your payment. This website will take you through the process of creating a basic $0 tax return.

Before you fill out the IRS Non-filer portal, please have these items ready:

  • Cell phone that can receive texts
  • Full name
  • Date of birth
  • Valid Social Security Number
  • Current mailing address
  • Email address
  • Whether someone can claim you as a dependent (yes or no)
  • Identity Protection Personal Identification Number (IP PIN) you received from the IRS earlier this year, if you have one. This IP PIN would have been sent in a letter from the IRS*
  • Adjusted Gross Income or Signature PIN Number for 2018
  • Driver’s license or State ID number, issue date and expiration date
  • Bank account/routing numbers, cash app account and routing numbers, or mailing address to receive check
  • Optional: You may be asked to confirm the amounts of past loans to verify your identity

For each dependent child you support who is under the age of 17:

  • Name
  • Social Security Number or Adoption Taxpayer Identification Number
  • Relationship to you or your spouse

*Only necessary in some cases.

Someone on my tax return doesn’t have a Social Security Number.

Unfortunately, individuals who are undocumented or who do not have a Social Security Number are not eligible. If you file your taxes with your spouse as Married Filing Jointly and one or both spouses don’t have a valid Social Security Number, then neither you nor your spouse will receive the stimulus check unless one spouse was a member of the US Armed Forces during the tax year.

If you have a dependent child under the age of 17 who does not have a valid Social Security Number, then that child will not qualify you for the $500 dependent payment.

The City of Chicago, Open Society Foundation, and The Resurrection Project have created the Chicago Resiliency Fund for people who are ineligible for stimulus checks. You can receive $1,000 from the Fund if you reside in Chicago. You can check the Fund's web page to find out when they are accepting applications. You may have to return to the site later to find out when they will accept them again. 

For more resources, see the Illinois Coalition for Immigrant and Refugee Rights COVID-19 resources page.

What if I pay child support? Will I receive a payment?

You can still receive a payment. However, child support debt will be taken out of your payment.

Are college students eligible for payments?

College students who are not considered dependents are eligible. Generally, college students who are under 24, attend full-time, and receive significant financial support from their parents are considered dependents. These students are not eligible.

I am currently or was recently incarcerated. Am I eligible?

Due to recent legal changes, you should be eligible if you are currently incarcerated.

Previous incarceration does not change eligibility. If you filed taxes in 2018 or 2019, have a Social Security Number, and your income is below the guidelines, you should receive a payment. If you did not need to file taxes you may still receive your payment by submitting your information on the IRS non-filer site. To receive your payment faster, file your taxes electronically and enter bank account information when you file. If you do not have access to a computer, you can file a simplified 2019 tax return via mail. However, it must be postmarked by Nov 4th.

If you didn't file taxes but should have, you will receive your payment once you file. If you are not sure if you need to file, find out here. You can get a safe, affordable bank account online through BankOn on our Banking Info page. Sharing bank direct deposit information on the IRS forms will help you get your payment faster.

To find information on how to get help filing taxes, visit Ladder Up’s website and sign up for their e-newsletter.

If you filed in 2018 but have moved and the IRS doesn’t have your bank information, file your 2019 taxes to update the information. Also be sure to change your address with the U.S. Postal Service. If you filed for 2019 but have moved, there is not currently an option to update your address.

If you don’t need to file for 2019, use the IRS non-filer site to register for your payment.

Information you will need to have ready when you use the Non-Filer website:

  • Full name
  • Current mailing address
  • Email address
  • Date of birth
  • Valid Social Security number
  • Bank account number, routing number, and type of account (checking or savings), if you have one. If you do not have one you will receive a paper check in the mail.
  • Identity Protection Personal Identification Number (IP PIN) you received from the IRS earlier this year, if you have one. This IP PIN would have been sent in a letter from the IRS.
  • Driver’s license or state-issued ID, if you have one

For each dependent child you support who is under the age of 17:

  • Name
  • Social Security number or Adoption Taxpayer Identification Number
  • Relationship to you or your spouse

Will this impact my public benefits like food stamps or TANF?

No. As with any tax refund, these payments will not count against your eligibility for receiving public benefits. The payment also will not affect your benefit amounts.

What do I need to have ready before I use the IRS Non-filer website?

Before you fill out the IRS Non-filer portal, please have these items ready:

  • Cell phone that can receive texts
  • Full name
  • Date of birth
  • Valid Social Security Number
  • Current mailing address
  • Email address
  • Whether someone can claim you as a dependent (yes or no)
  • Identity Protection Personal Identification Number (IP PIN) you received from the IRS earlier this year, if you have one. This IP PIN would have been sent in a letter from the IRS*
  • Adjusted Gross Income or Signature PIN Number for 2018
  • Driver’s license or State ID number, issue date and expiration date
  • Bank account/routing numbers, cash app account and routing numbers, or mailing address to receive check
  • Optional: You may be asked to confirm the amounts of past loans to verify your identity

For each dependent child you support who is under the age of 17:

  • Name
  • Social Security Number or Adoption Taxpayer Identification Number
  • Relationship to you or your spouse

*Only necessary in some cases.

What if the payment is sent to the wrong bank account?

If the bank account that the IRS is depositing the stimulus payment into is now closed, the bank will reject the deposit. The IRS will then mail a paper check to the address it has on file for you.

If you have moved since you last filed a return with the IRS, you'll need to make sure the United States Postal Service (USPS) forwards your mail to the right address.: Change Your Address with USPS to make sure you receive your stimulus check at your current address.

Also, you can attempt to track your stimulus check using the USPS Informed Delivery tool.

What if my payment check is being mailed to the wrong address?

If you have moved since you last filed a return with the IRS, you'll need to make sure the United States Postal Service (USPS) has your current address. Change Your Address with USPS so they can forward your mail to the correct address.

Also, you can attempt to track your stimulus check using the USPS Informed Delivery tool

 

I’m using the Get My Payment app, but I’m getting a “Payment Status Not Available” message. What does that message mean?

According to the IRS, there are a few reasons you might see this message:

  • You are required to file a tax return, but:
    • The IRS hasn’t finished processing your 2019 return
    • The application doesn't yet have your data; the IRS is working on adding more data to allow more people to use it
  • You don't usually file a return, and you used the IRS non-filer site but the IRS hasn’t processed your entry yet
  • You’re not eligible for a payment 

If you filed your tax return by mail, it will take the IRS longer than usual to process the return.

I’m using the Get My Payment app, but I’m getting a “Please Try Again Later” message. What can I do?

According to the IRS, the reason you are locked out for 24 hours could be:

  • Information you entered does not match IRS records. For security reasons, the IRS limits each user to three failed attempts in a 24-hour period.
  • You have already accessed the system five times within 24 hours.  The IRS allows each user 5 logins per day to make sure their system is not overwhelmed with too many requests.

You will be able to access the application after 24 hours have passed. Do not contact the IRS for assistance with a lockout. The lockout will only release after 24 hours.

What should I do if my stimulus payment is the wrong number?

There are a few reasons why your stimulus payment could be lower than what you expected. Some are included below: 

  • If you haven’t filed your 2019 tax return or the IRS hasn’t finished reviewing your 2019 return, your payment will be based on your 2018 tax return. If you earned more money or had fewer dependents in 2018, your payment may be lower. 
  • In order to receive $500 per eligible dependent, the dependent must be under the age of 17 and meet other qualifications. 
  • Past-due child support can be taken out of the stimulus payment.

The IRS released more information here.

If you are eligible for more than what you received, remember that you may be able to claim missing amounts when you file your 2020 tax return.

I’m using the IRS non-filer site but I get an error message about a missing IP PIN. What should I do?

If you received an IP PIN, you will need to enter it to submit your information on the IRS non-filer site. Try to find the letter the IRS mailed to you that contains your 6-digit Identity Protection PIN (IP PIN). If you can’t find that letter, try to retrieve your IP PIN online on the IRS website. Unfortunately, the IRS is not taking calls about this at this time.

What if my stimulus check goes to a closed account?

If the stimulus check is deposited to an invalid or closed bank account, the bank will reject the deposit. The IRS will then mail your payment as soon as possible to the address it has on file for you. The IRS Get My Payment app will be updated to reflect the date your payment will be mailed. Typically, it will take up to 14 days to receive the payment. The IRS states that no action is needed on your part to ensure the payment will be re-issued.

Source: https://www.irs.gov/coronavirus/get-my-payment-frequently-asked-questions#bank

Where is my stimulus check coming from?

The US Treasury issues the stimulus check.

Some stimulus checks have been issued on a prepaid debit card called the Economic Impact Payment Card. If you receive an Economic Impact Payment Card, it will come in the mail 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. You can visit https://www.eipcard.com/ for more information.

Will I get my stimulus check on my Emerald Card?

According to H&R Block, it sounds like you can receive your stimulus check on your Emerald Card. For more detailed questions, we recommend contacting H&R Block directly: https://www.hrblock.com/support/

Find out if you are eligible for a stimulus payment.

Answer a few questions below to learn what to do next. You do not need to share any sensitive, personal information. We will not record your answers.

Learn more about Economic Impact Payments

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