If you currently receive your Social Security retirement, SSDI, and Supplemental Security Income benefit through the Direct Express debit card and are wondering about the Direct Express Stimulus Check Deposit Date, we can help. In this post, we will review the second round of stimulus checks for $600 and what it means for those who get their benefits via Direct Express debit Mastercard.
In addition, we will answer the most frequently asked questions about the second round of stimulus checks.
Finally, we will provide an update on the promise by President-Elect Joe Biden for a third stimulus check for $2,000 now that democrats have the Senate.
However, before we get into details about the deposit date, we will first review the second round of stimulus, including who is eligible.
This post will cover:
- Second Round of Stimulus Checks Explained
- Who is Eligible for the Second Stimulus Check?
- Second Stimulus Check for Direct Express
- What is the Direct Express Stimulus Check Deposit Date?
- Second Round of Stimulus Checks FAQs
Second Round of Stimulus Checks Explained
There is another round of stimulus checks coming.
Congress passed a $900 billion pandemic relief bill signed in December.
President Trump signed the bill into law on Dec. 27.
The bill calls for $600 stimulus payments to qualifying adults and child dependents.
This is a follow-up to the first round of stimulus checks approved back in March 2020, which helped many Americans boost their savings accounts and pay off debt.
Who is Eligible for the Second Stimulus Check?
Here’s who is eligible for the second round of checks:
First, individuals who reported adjusted gross income (AGI) of $75,000 or less on their 2019 tax returns will receive the full $600.
For couples filing jointly, the threshold is $150,000 or less AGI.
However, if you are the head of a household, the income limit to get the $600 check is AGI of $112,500 or less.
Second, for people who earned more than those amounts, the size of the check will gradually decrease by $5 for every $100 earned over that threshold.
I Received the First Stimulus Check. Will I Automatically get the Second Stimulus Check?
Not necessarily. Whether you will get the second stimulus check of $600 depends on your taxable income.
If your taxable income increased from 2018 to 2019, you may not be eligible for the second stimulus payment.
Also, because the second stimulus payments phase out at lower income levels, fewer people will qualify for a stimulus check.
Second Stimulus Check for Direct Express
If you received your $1,200 stimulus payment last year via direct deposit, you will get your second-round $600 stimulus payment the same way if eligible.
In fact, according to the Internal Revenue Service (IRS), the second stimulus payments will probably be deposited faster than the first.
This includes those who receive Social Security retirement, SSDI, and Supplemental Security Income.
What is the Direct Express Stimulus Check Deposit Date?
For those who receive their Social Security retirement, SSDI, and Supplemental Security Income benefits through Direct Express debit card, here’s when your payment will be sent:
The IRS began sending payments to Direct Express debit cards on December 29th, 2020.
You will see a deposit of $600 in your account.
In addition, if you have eligible dependents, they will also get $600 each.
Do you have to do anything to get your second stimulus payment?
According to the IRS, people who receive Social Security retirement, SSDI, and Supplemental Security Income are automatically eligible for a payment.
The payments to Direct Express cards will continue through Jan. 15.
After that point, if you do not get a second stimulus check, you will have to register for a Recovery Rebate Credit as part of your 2020 tax returns.
I Did not Receive a Second Stimulus Check on Direct Express
If you received the first stimulus check for $1200 on your Direct Express card, and are eligible for the second but did not get it, here’s what you can do:
If you are eligible for a stimulus check via your Direct Express card, you can now check the status of your stimulus check with the IRS.
Here’s how:
Visit the IRS “Get My Payment” tool, which is updated once a day.
Click on the “Get My Payment” link as shown below:
You will be taken to the page below.
Enter the information requested as shown by the image below, including your:
- Social Security Number or Individual Tax ID Number
- Date of Birth
- Street Address
- Zip Code
Once you have entered the information, click the “CONTINUE” button.
If you entered the correct information, you will get one of two results.
Result Number One
If a payment has been sent to you already, you will see the date the payment was sent to your bank account or mailed to you.
If you also received a stimulus during the first round last year, it will also show you the date the first stimulus payment was made.
See the image below for an example.
Result Number Two
Next, you may get a “not available” message, as shown below.
This means that you’re either not eligible for a second stimulus check or you are eligible but will not be paid right now.
However, you will be able to claim any unpaid amount on your 2020 tax return.
Second Round of Stimulus Checks FAQs
Here are the most frequently asked questions about the second round of stimulus checks for $600.
If I had a child this year, is the newborn eligible for the $600 payment?
If you had a child in 2020, your newborn will not automatically receive the $600 stimulus payment.
However, you can claim the credit for your newborn when you file your 2020 tax return.
Can my Second Stimulus Check be garnished by Creditors to Payoff Debt?
No. Unlike the first round of stimulus payment, the second stimulus check cannot be taken and used to pay past-due child support.
Additionally, it cannot be used to pay off past-due federal or state debts.
Furthermore, the bill stimulus bill prevents payments from being garnished by banks and private debt collectors.
That protection was not included in the legislation that created the first round of payments.
What if I have a different bank account than I had on my 2019 tax return?
If your second stimulus check is sent to an account that is closed or is no longer active, the financial institution must, by law, return the payment to the IRS.
According to the IRS instruction, if you are eligible for a stimulus check and did not receive one, here’s what you can do:
File your 2020 tax return electronically and claim the Recovery Rebate Credit on your tax return to get your stimulus payment and any refund as quickly as possible.
Will There Be a $2,000 Third Stimulus Check?
Republicans in the Senate voted down efforts by Democrats to pass the $2,000 stimulus in December.
That was even after President Trump pushed for it.
However, now that the Democrats have won the Senate, it appears there will be another round of Stimulus checks.
At Georgia election-day rallies on Jan. 5, President-Elect Joe Biden promoted the idea.
He promised that a Democratic-majority Senate will make $2,000 stimulus payments possible.
Furthermore, on January 6, 2021, there was more confirmation that a third stimulus check for $2,000 is likely.
Senate Democratic Leader Chuck Schumer (D-N.Y.) has pledged that the priority of his tenure will be to pass legislation that will give $2,000 stimulus checks.
Direct Express Stimulus Check Deposit Date Summary
Here’s the bottom line:
The IRS started sending the $600 stimulus checks to Direct Express Debit cards beginning in early December 29, 2020.
If you received a Direct Deposit of your first stimulus check, then you should be getting your $600 soon, if you have not received it already.
In addition, Direct Express cardholders should be receiving their $600 stimulus payments all the way through January 15th, 2021.
However, after January 15th, if you have not received your payment, you will have to request a Recovery Rebate Credit as part of your 2020 tax returns.
Finally, if you think you should have received a check but did not, you can use the IRS’s Get My Payment to check your payment status as shown above.
Questions?
We hope this post on the Direct Express Stimulus Check Deposit Date was helpful.
If you have further questions about Social Security or Disability benefits, please let us know in the comments section below.
Be sure to check out our other articles on Social Security and Direct Express, including Second Stimulus Check for $600 Update, Questions about Second Stimulus Check, Social Security Stimulus Check Update, Direct Express Stimulus Check, and Replacement Social Security card online.
