No Stimulus Check Yet? Here Are 7 Possible Reasons

1. The IRS is sending out the stimulus checks in 'batches'

The IRS has a juggling act as it distributes these stimulus checks at the height of tax season. IRS Commissioner Chuck Rettig promised in a news release that the multitasking wouldn't slow the delivery of relief payments he said were needed by millions of Americans "to cope with this historic pandemic."

But even with IRS employees working around the clock, getting the stimulus checks out is a huge task for the tax agency. So, it's splitting the aid payments into batches.

The first batch of direct deposits started arriving last weekend and included 90 million payments worth more than $242 billion, the IRS says in a news release. Another batch was to go out this week, with more to follow in the coming weeks.

2. Your bank may be holding up the money

In at least some cases, the IRS is apparently "future dating" the payments, similar to the way you might write a later date on a check if you don't have the funds in your account just yet. And, your bank not may make your stimulus check money available to you until the tax agency's official payment date.

That was the case with JPMorgan Chase and Wells Fargo, whose customers didn't receive the cash in their accounts until Wednesday, days after distribution started. The banks said they were observing the IRS "effective date" for the payments, but some customers threatened to close their accounts in protest.

Already there's speculation over whether there will be a fourth stimulus check, but don't count on it. So use your $1,400 wisely — maybe by putting it to work using one of today's popular investing apps.

3. You moved or changed your bank account

If you recently switched bank accounts, the IRS probably doesn’t have your new account information on file — meaning it's not able to send you a direct deposit. You'll have to wait for the tax agency to mail you a paper check or debit card, and that will take weeks.

A similar issue applies if you moved recently and normally receive tax refunds through the mail. If the IRS unsuccessfully tries to send your payment to your old address, the check will need to be reissued and you'll face an extra-long wait.

You can check on the status of your stimulus check by using the IRS' Get My Payment tool. And though you can’t update your information there, you can potentially identify why your payment has been delayed.

4. The money has been siphoned off by a debt collector

You may not see your stimulus check yet because the money has been intercepted. Debt collectors couldn’t garnish the two earlier relief payments, but a legislative loophole has given them access to this round.

Because the bill was fast-tracked through Congress using an arcane budget process, the cash can be seized to pay many types of debt, though not tax debt or back child support.

If your stimulus payment is at risk because you're overwhelmed by debt, a lower-interest debt consolidation loan can help you get a handle on what you owe — and pay it off more quickly.

5. You’re getting a paper check or debit card

The IRS is prioritizing direct deposit payments, so if you'll be receiving a paper stimulus check or a debit card, you may be waiting a while for your $1,400.

It can take up to a few weeks for the paper and plastic to reach their intended recipients.

When last year's first $1,200 stimulus checks went out, some people mistook their mailed checks or debit cards for junk mail. So if you know you'll be receiving your money via the Postal Service, be alert when you check your mailbox over the next few weeks.

6. You haven’t filed taxes the last two years

Not every American has to file federal income taxes every year. For example, if you earn less than $12,400 a year, don't have self-employment income, are single and under age 65, you don't have to file a tax return for 2020.

But if you’re not receiving Social Security or Railroad Retirement Benefits and haven’t filed taxes for 2019 or 2020, then the IRS will have no record of your eligibility for a stimulus check.

To ensure you’ll get your payment, fire up a reliable tax software program and get yourself on the tax agency's books.

7. You don’t qualify for a stimulus check anymore

After much back and forth, the Democrats who control Congress agreed to a more targeted approach for this round of stimulus checks.

Individuals making more than $80,000 and couples earning over $160,000 get no money this time.

Previously, the cutoff thresholds were $100,000 for single taxpayers and $200,000 for couples filing jointly.

What if your money is missing — and you need it now?

If it appears your stimulus check will be delayed, or if the new income guidelines mean there's no cash for you, there are several options if you need money like yesterday.

Slash your insurance bills. Car insurance companies have been handing out discounts to drivers who are on the road less through the pandemic. Not yours? Sounds like it’s time to shop around for a better deal from a more flexible provider. And while you’re looking, why not save hundreds on homeowners insurance by comparing rates to find a lower price?
Reduce your mortgage payments by refinancing. Mortgage rates remain historically low, and refinancing your existing mortgage could reap big savings. The mortgage technology and data provider Black Knight reported in early March that 12.9 million mortgage holders were good refinance candidates, meaning they could cut their monthly payments by hundreds of dollars with a new loan.
Trim your budget and “make your own” stimulus check. By finding a few creative ways to cut back, you can possibly rearrange your budget to find another $1,400. Use cloth instead of paper napkins, refill water bottles instead of buying bottled water, and use your own coffee cup to get a discount at your local cafe. Have a hobby or special talent? Turn it into a side income. And, download a free browser extension that will automatically hunt for better prices and coupons when you shop online.

$2800 for married couples with income under 150K (AGI), plus $1400 for every child 16 or under.

My income (mostly from SS) is about 16,000 a year and I have received nothing nor any notice. The IRS did send a letter dated March 1 to a brother whose yearly income is about the same stating "a payment of 600.00 was issued by Direct Deposit," though nothing had come last I knew.

A $1,400 stimulus calculator is here, and which estimated stimulus payment for one under 75,000 is $1,400.

Also, research further provides,

Several factors affect the payment amount you get, such as your age, marital status, citizenship and tax status. Here are some details for nonfilers, people with babies born in 2020 and families in child support situations. Also, here's how to claim any missing stimulus money (or file a payment trace). This story is regularly updated with new information.

Third stimulus check: Qualifications

Qualifying group	What the law says
Individuals	An AGI of less than $80,000 to qualify for any payment amount
Head of household	An AGI of less than $120,000 to qualify for any payment amount
Couple filing jointly	An AGI of less than $160,000 to qualify for any payment amount
Dependents of all ages	$1,400 apiece, no cap -- but only if guardians make under the above limits
Families with mixed US citizenship	Provided they meet other qualifications
US citizens living abroad	Yes, same as first two checks
Citizens of US territories	Yes, same as first two checks, with payments handled by each territory
SSDI and other tax nonfilers	Yes, but may require an extra step to claim (more below)
Incarcerated people	Yes, included this time
People who owe child support	Checks can't be garnished to cover past due payments (more below)
Disqualified groups	Not covered by law
Non-US citizens	"Resident aliens" aren't included
Noncitizens who pay taxes	Depends on "mixed-status" rules (more below)	- https://www.cnet.com/personal-finance/new-stimulus-check-everyone-who-qualifies-for-the-third-payment/

Yes, I did use the the IRS' Get My Payment tool which told me,

"Payment Status - Not Available We are unable to provide the status of your payment right now because: We don't have enough information yet (we're working on this), or You're not eligible for a payment."

[But what it did not say - yet - is:] "We don't have enough information yet" means that our records show that you are a frequent contributor of hateful rhetoric (contending for Biblical Truth and values) on a Internet entity called "Free Republic," a site which is known to foster homophobia (opposing the pronounced promotion of a practice that sends many souls to an early grave and an eternal fire), misogyny (opposing abortion), Islamophobic (describing Islam as a faith that advocates religious physical bloodshed), racial discrimination (promoting meritocracy, with character and ability determining employment versus skin color), and supporting domestic terrorism (advocating for the Second Amendment and voting integrity).

Therefore your eligibility is in question pending further review, while as an added measure of security all financial transactions by you are being placed on hold. You may inquire further by calling 666-666-6666, at which time you may pledge allegiance to the New World Order of LGBTPCNOWCCPAOCQRSXYZ rights and receive your special ID by which you can resume engaging in commerce activities.

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