When to Expect Your Second Stimulus Check

By Stefano Tromba
January 6, 2021

As stimulus checks find their way to American bank accounts, the IRS is asking that you don’t call them or your bank. Instead, it’s recommended you visit the website. The IRS said: “IRS phone assisters do not have additional information beyond what’s available on”

So, if you didn’t get your check yet, don’t worry. The second round of stimulus money just started rolling out last week. It may take some time, especially if it’s arriving by mail.  That said, you can start checking on payment status by using the Get My Payment tool. It’s available in English and Spanish at Keep in mind, that due to the high volume of traffic to the site, there could a wait to log in.

Bank Accounts

Most people will see this latest round of stimulus money via direct deposit into their bank accounts. According to the IRS, the scheduled payment date is Jan. 4, which’s the official date funds are available. Direct deposits will be made to those with valid routing and account info on file with the IRS.  The second payments are up to $600 for individuals who qualify; up to $1,200 for a married couple filing a joint return with no children, and an extra $600 for qualifying children ages 16 and younger.

Paper Checks

Some checks went out on Dec. 30. However, the IRS noted on Monday that paper checks will continue to be sent through January. As expected, mailed payments will need more processing and mailing time, according to the IRS.

Debit Cards 

It is possible to receive your second stimulus on a Visa debit card issued by MetaBank. And you might get a debit card even if you received a paper check for the first Economic Impact Payment sent in the spring. Do not throw out these debit cards.  “The Economic Impact Payment Card” will be sent in a white envelope that prominently displays the U.S. Department of the Treasury seal,” the IRS stated. The Visa name is on the front of this plastic card. The issuing bank is MetaBank and is listed on the back of the card. For more information about these cards, see

NOTE: A limited number of payments are being sent out by debit card.

Not for Everyone

Depending on your income, some people won’t get any money or a reduced payment. The IRS stated, that most people who have an adjusted gross income for 2019 of up to $75,000 (for individuals) and up to $150,000 (for married couples) filing joint returns and surviving spouses, will receive the full amount of the second payment.


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