Missing Third Stimulus Check: Why didn’t I get mine?

Michael Coronado


As a result of the most recent $1.9 Trillion COVID-19 recovery bill, qualifying adults should expect to see $1,400 payments, in addition to $1,400 for each dependent child under the age of 17 and for each qualifying adult dependent, such as a college student or elderly relative. Qualifying couples who file a joint tax return can expect payments of $2,800.

But what if you didn’t get your check Wednesday? Don’t worry just yet since there could be a variety of reasons. 

The biggest issue is that the IRS, which is set up to be a collection agency and not a payment agency, is simply overwhelmed. Other reasons why you may not have gotten your payment on Wednesday include: 

  • You haven’t filed your taxes yet
    If you have not filed a 2020 tax return, then the IRS will use your 2019 tax return to determine your eligibility for the stimulus check.
  • You filed your taxes by paper
    If you did not file your tax return electronically, it likely hasn’t been processed yet. 
  • You moved or changed bank accounts 
    This could cause the IRS to send paper payments or checks instead of doing direct desposit. 
  • Your income went up in 2020 compared to 2019 
    The payments start declining for an individual once adjusted gross income exceeds $75,000 and go to zero once income hits $80,000. The payment starts declining for married couples when income exceeds $150,000 and goes to zero at $160,000.
  • If you owe money, such as child support 
    Debt collectors can garnish funds from the stimulus checks, something consumers were previously protected against.

Want to know the status of your payment? Check the status of your check directly on the IRS web site Get My Payment Tool https://www.irs.gov/coronavirus/get-my-payment.

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About the Author

Michael Coronado is the Vice President of Pronto Income Tax. When he’s not serving clients, he geeks out on current events and planning his next travel adventure.