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Several disappointed people contacted me today. They expected to receive their economic stimulus payment deposited into their bank account today but they have not seen the deposit posted online yet. According to the payment schedule, individuals whose Social Security numbers end with two digits between 00 and 20 and who have direct deposit banking information on file with the IRS should have received their deposit by today.
If you’re looking for your money, check the schedule first to ensure you’re not jumping the gun. Keep in mind that this schedule is only “accurate” for those who filed their taxes by the usual deadline.
After you’ve verified that the government expected you to receive your payment already, you can fill in a form online to ask the IRS about the status of your payment. This form will apparently only work for those who filed their tax returns over 6 weeks ago, so it sounds like the government may be late with some payments depending on when you filed.
Don’t confuse the “where’s my stimulus payment?” form with the “where’s my refund?” form.
Important clarification! It’s important to consider that if you filed your taxes through a third party like H&R Block or Turbotax, you may have opted for an accelerated refund in the form of a refund anticipation check, refund anticipation loan, or similar product. If you received an accelerated refund, you will receive your stimulus rebate (if you qualify) via paper check, not direct deposit. Also, if your tax preparer deducted any fees from your tax refund, your stimulus payment will arrive via paper check, not direct deposit. Furthermore, if you filed through a third party and owed taxes, the IRS will not have your direct deposit information, so if you qualify for a stimulus payment you will receive it via paper check.
Updated August 17, 2016 and originally published May 2, 2008.