How to get your stimulus check quickly

The President just signed into law the new CARES act which is a $2 trillion stimulus package meant to rejuvenate the struggling US economy and to provide much-needed resources to certain industries, including the travel and healthcare industry.

As a part of this package, individuals will be entitled to receive checks from the government. Below is everything you need to know about these checks, including how to expedite receiving your funds.

Income requirements

Only people who are under the income requirements will receive a check. These income requirements are based on your adjusted gross income. You can find your adjusted gross income on Line 8b of the 2019 1040 form.

Here are the amounts you will get based on your adjusted gross income:

  • If you are an individual and make $75,000 or less in one year, you will be entitled to $1,200.
  • If you are filing as a couple, and make $150,000 or less in a year you will be entitled to $2,400.
    • Taxpayers filing as head of household get full payment if they earned $112,500 or less

For every dependent that you have 16 years or younger, you can also receive an additional $500 (I’m not sure if there’s a limit on those). Note that you can’t get a payment if someone claims you as a dependent.

If you make more than the allocated amounts, you will receive a prorated amount up to a certain cap. For example, your payout amount over $75,000 in income would be reduced by $5 for every additional $100 of adjusted gross income. There’s a calculator here.

There is an income cap of $99,000 for individuals and $198,000 for married couples with no children. A family with two children won’t be eligible if their income is over $218,000.

What year your income is determined

Your income will be based on your most recent filing year with the IRS.

So if you filed taxes for 2019 already, that will determine your eligibility. But if you have not filed your taxes for 2019 then your income will be based on what you received in 2018. Remember that the tax filing and payment deadline has been pushed out 90 days.

An important thing to note is that you must file your taxes in order to be eligible. 

How long will it take to get the check

Treasurer secretary stated that you should receive your payment within a 2 to 3 weeks. But keep in mind that the IRS took three months to distribute checks in 2009 in the Great Recession and many people have called into question if the IRS will be able to send these out that efficiently.

To expedite receiving your check, be sure that you have signed up for direct deposit from the IRS. This is usually selected on your tax form when you choose how you would like to receive your refund .

If you want to receive your check at a new address that is not the same address you filed with, you will need to submit a change of address form. It can take 4 to 6 weeks to process a change of address form, so you want to fill this out and submit it as soon as possible.

There is an IRS website dedicated to the stimulus checks but it currently does not display anything helpful. It might be updated soon with details on how to sign up for direct deposit in case you have not done that.

A couple of more points:

  • People receiving Social Security and disability payments each month will be eligible.
  • Citizens living abroad can receive payments.
  • If you are subject to garnished wages, the bill will suspend those attempts so your check will be safe. However, if you are behind on child support you may not be able to receive the check.
  • You will not have to pay income tax on your stimulus check.
  • You will only be issued one check although some in Congress have mentioned sending out additional checks.



Stimulus package approved by House of Representatives

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  1. Hi Daniel,
    So if I opted in direct debit in the last return the stimulus check will be posted directly to my account?

      1. If i filed through Turbo Tax and they sent me a card in the mail that my taxes would be put on from the IRS do they automatically give the IRS the direct deposit info to that card.The reason i ask is when i check the status of my stimulus check it just says no information avalible.
        What will happen in this situation?

      2. Why is it taking so long to get my stimulus check? I’m on disability and had to file taxes for 2019 through TurboTax, but no reply from them yet.

      3. So what if I haven’t gotten a check. I seem to meet the requirements drawing social security disability but I haven’t received a check.

      1. He can just wait to receive the check or sign up for direct deposit when it becomes available.

  2. The unemployment someone people already receiving unemployment is this people receiving extra $600 top of what they getting but when

    1. It all depends on processing time and if you have signed up for direct deposit. If you signed up for direct deposit, probably only a couple of weeks from here.

  3. Hello Daniel, I’m currently disabled and receive SS. I’ve never filed taxes since I was told I didn’t have to. How will I receive my stimulus check or is there something I need to do on my side in order for me to receive my check?

    1. You don’t have to do anything but I would recommend signing up for direct deposit whenever the sign-up website becomes available.

  4. I draw SSA and SSI direct deposit to DIrect Express debit card will they put it on my card

  5. Hello, I am hearing so many different things. Can I get the truth ? I am on SSI and have direct deposit into Wells Fargo. I get paid that way every month. Been receiving SsI for 10 years. How will I be paid and is there something I need to do ? As of today 4/15/20 I have not recieved a stimulas payment !! Thank you.

  6. I’m on the same boat. My wife already received her stimulus however I have not? Is there reasoning? I was told several times that I didn’t have to do anything further since I already receive my SS checks via direct deposit?

  7. How long will it take to receive my stimulus once it’s in the mail. It’s said my check to be mailed out 4/24 when should I get it

  8. I done my update for direct deposit and it told me it was being mailed on April 24 so is it getting my or put on my card.

  9. Why would a bill collector have the right to take money given to people in very bad need of this check

  10. My husband and I have not received our stimulus check we are on social security and have not filed taxes for years according to standards we would receive a stimulus check which we have not received and what right would bill collectors have a right to step in and take this check very depressing when it was given to people in need of help.

  11. I’m on disability. I use to have direct express card n in February I opened up a bank account with chase directl deposit For my checks Will I get my stimulus check

  12. I changed banks,and had my social security checks direct deposit in my new bank account, will I get my check direct deposit into my new account? Do I have to close my old bank account?

  13. I tried going back and putting my prepaid card direct deposit info that turbo tax sent me but it say if your taxes have been processed you cannot now add your direct deposit info in to get you stimulous money so what happens now.When i check on the stimulus check status it says no info avalible?

  14. I have a question, If your not a permanent resident but your not illegal because you have a Temporary protected status (TPS) and. You are legal to work in the United States are you still eligible for the stimulus check? Oh and also have not filed taxes …

  15. Hi I never file taxes my job closed down in 2019 I file exempt on my job I have not received my w2 so I dont know how much my gross pay was I go to the non filers try to sign up for direct deposit and it always says we cant determine if you are eligible will I get a check

  16. Will my check be direct deposited into my account at the same time as the social security checks?

  17. Do I have to FILE TAXES to get stimulus check…I haven’t worked in few years…how do I file my taxes for free

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