IRS Get My Payment: Find Out When Your $1,400 Stimulus Will Arrive

As many as one million taxpayers may have missed their Recovery Rebate Credit (RRC) payments, according to recent IRS news. IRS called this money stimulus payments. The payments were made by the federal government as part of COVID-19 relief.

Even though most of these payments have been processed automatically by the IRS, meaning eligible taxpayers received their cash with no action needed on their part, some are probably still wondering whether they were eligible or not, or whether they were unaware that they never got their full payment.
There are easy ways to check if you missed out on your stimulus payment so you can know and claim it.

Overview of Stimulus Payments and the Recovery Rebate Credit

The IRS issued three rounds of stimulus payments under the Economic Impact Payments (EIP) program. A first stimulus payment of $1,200 per eligible adult and $500 per dependent was issued in 2020. A second stimulus payment of $600 per eligible adult and $600 per dependent was issued in 2020-2021. Lastly, the third stimulus payment of $1,400 per adult was issued in 2021. The third stimulus check also included a $1,400 payment per dependent. Through EIP payments, most taxpayers automatically received payments based on their 2020 or 2021 tax returns (or 2019 returns in some cases).

However, some individuals did not receive their payments due to filing errors, missing information, or eligibility discrepancies. If you were eligible but never received your full payment, the IRS allows you to claim the missing amount as a Recovery Rebate Credit (RRC) on your tax return.

Who Might Have Missed Their Stimulus Payment?
Even though the IRS automatically processed these payments for most eligible individuals, some taxpayers may have missed out due to the following reasons:

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1. You Did Not File a Tax Return in 2020 or 2021

The IRS primarily relied on tax return information to distribute stimulus payments.
If you were not required to file a tax return or simply did not file one, the IRS may not have had the necessary details to send your payment.

2. Your Income Was Previously Too High, but Later Decreased

Eligibility for stimulus payments was based on adjusted gross income (AGI) from your most recent tax return.
If your 2020 or 2021 income dropped but your stimulus amount was determined using a higher 2019 income, you might be eligible for additional funds.

3. You Recently Had a Child or Added Dependents

The stimulus payments included amounts for dependents.
If you had a child in 2020 or 2021, or if you became responsible for additional dependents, you may not have received the full payment amount.

4. Your Payment Was Sent to the Wrong Bank Account or Address

Some taxpayers reported that their stimulus payments were deposited into closed or incorrect bank accounts, or sent to outdated mailing addresses.
If this happened to you, the IRS may have returned the payment or failed to reissue it properly.

5. You Were Incorrectly Classified as Ineligible

Some taxpayers were mistakenly categorized as ineligible due to outdated IRS records or filing errors.
If any of the above scenarios apply to you, you may still be able to claim your missing funds through the Recovery Rebate Credit. How to Claim a Missing Stimulus Payment

If you believe you are missing a stimulus payment, follow these steps:
Step 1: Check Your IRS Online Account
Visit the IRS website and log into your IRS online account.
Navigate to the “Economic Impact Payment Information” section to see the total amounts received.
Compare these payments with the amounts you were supposed to receive.

Step 2: Review Your Tax Returns
The Recovery Rebate Credit can be claimed on either your 2020 or 2021 tax return, depending on which stimulus payment was missed:
First and second stimulus payments → Claim on 2020 tax return.
Third stimulus payment → Claim on 2021 tax return.
Check whether you already claimed the Recovery Rebate Credit in those years.

Step 3: Locate IRS Notices for Stimulus Payments
The IRS mailed official notices confirming stimulus payments to taxpayers. These include:
Notice Purpose Tax Year
1444 Confirms first stimulus payment 2020
1444-B Confirms second stimulus payment 2020
1444-C Confirms third stimulus payment 2021
If you misplaced these notices, you can still verify your payment history by logging into your IRS account or checking past bank statements for direct deposits.

Step 4: File a Tax Return (If Needed)
If your tax return does not reflect the correct Recovery Rebate Credit, you may need to file an amended return (Form 1040-X).
If you never filed a 2020 or 2021 tax return, you must submit one to claim the credit.
Step 5: Contact the IRS for Assistance
If you cannot determine your eligibility or need additional help:

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Visit the IRS website for updates.

Call the IRS helpline at 1-800-829-1040 for assistance.
Potential Delays and Processing Times
While the IRS is actively processing Recovery Rebate Credit claims, some cases may take longer than expected due to:

• Identity verification issues (e.g., mismatched names, addresses, or SSNs).
• Backlogs in processing tax returns from prior years.
• Incorrect or incomplete tax filings requiring manual review.
• If you file an amended return or claim the credit late, expect processing times to be longer than a standard tax refund.

Final Thoughts:

Don’t Miss Out on Your Stimulus Payment
The Recovery Rebate Credit provides a second chance for taxpayers who did not receive their full stimulus payments during the COVID-19 relief efforts.

• To ensure you receive your full entitlement, take the time to:
• Check your IRS account for payment history. Review your tax returns to confirm past claims.
• File a tax return or amended return if needed.
• Reach out to the IRS for further assistance.

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