IRS $1,400 Stimulus Payment – What to Do If You Haven’t Received Your Deposit Yet!

The IRS has been handing out $1,400 Stimulus Payment to folks who qualify under the 2021 Recovery Rebate Credit. If you haven’t gotten yours yet, no worries. Let’s break down what might be causing the hold-up and how you can tackle it.

What’s the $1,400 Stimulus Payment?

This payment came from the American Rescue Plan Act in 2021. It was designed to help people who were hit hard during the COVID-19 pandemic.

Who can get it?

You can get the full $1,400 if your income is below $75,000 for individuals.

• Head of Household: AGI up to $112,500.
• Married couples (filing jointly): AGI up to $150,000.
• If your income is higher than that, the payment amount will gradually decrease and end completely after certain levels:
  • Individual taxpayers: No payments after $80,000.
  • Homeowners: Payments end after $120,000.
  • Married couples: No payments after $160,000.

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Other requirements:

• ✔ You must have a valid Social Security number (SSN).
• ✔ You cannot be listed as a dependent of another taxpayer.
• ✔ You must be a U.S. citizen or resident alien.

Why might you not have received your Stimulus Payment?

Here are some common reasons:

1. Tax return issues: If you haven’t filed your 2021 taxes or if they’re still being processed, your payment might be delayed.
2. Wrong bank info: If you gave incorrect bank details on your tax return, your payment might not go through. Then, the IRS will send a paper check instead, which takes longer.
3. Old address: If the IRS has the wrong address for you, especially for check payments or debit cards, that could cause delays.
4. IRS hold-ups: Sometimes, the IRS is just slow because they’re swamped with tax returns and payment requests.

If you think any of these apply to you, check in with the IRS for more information.

How to Get Your $1,400 Stimulus Payment

Haven’t got your $1,400 stimulus check yet? No worries, just follow these easy steps:

1. Check Your Payment Status

• Go to the IRS website to see where your payment is. Look for Letter 1444-C or Letter 6475. These letters have all the info you need about your payment.

2. Review Your 2021 Tax Return

• Make sure you filed with the right status—Married, Single, or Head of Household. If you sent in a paper return, it might take longer to process.

3. Claim the Recovery Rebate Credit

• If you didn’t get all or part of your check, you can claim the Recovery Rebate Credit on your 2021 return. This can boost your refund or lower what you owe.

4. Reach Out to the IRS

• If the payment was sent but you still don’t have it, you can file a payment Trace. Call the IRS at 800-919-9835 or fill out Form 3911.

5. Update your information

• If your address has changed, fill out IRS Form 8822 (Change of Address).
• Enter the correct bank information the next time you file your taxes.

Other troubleshooting tips

• If you received the wrong amount, check the information in the IRS letter.
• If your payment went to the wrong account, your bank may return it to the IRS.
• If you recently filed a tax return, wait at least six weeks.

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Conclusion

If your $1,400 stimulus check is still missing, don’t lose hope. Check if you’re eligible, see your payment status, and take the right steps to get your money. For more help, visit the IRS website or contact them directly.

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