My Stimulus Check Payment Went to the Wrong or Closed Bank Account

Under the now passed $1.9 Trillion Biden COVID Relief Package (American Rescue Plan, ARP) there were provisions included for another (third) round of stimulus checks. The amounts will be $2800 for couples$1400 for single adults and $1400 for each eligible dependent. While payments have started going out per the estimated IRS schedule, many are reporting similar payment deposit issues seen with the first and second round of economic impact/stimulus payments. The resolution to these issues will likely follow the same course of actions the IRS took for earlier payments and you can see earlier updates and comments for more on this.

You can still e-File Your Taxes For Free To Qualify For 2021 Tax Credits and Missing Stimulus Checks

Stimulus Check Payment Issues

Several readers have noted that they are seeing their checks getting deposited in the wrong accounts based on the IRS’ GMP tool’s payment status. This error was discovered when eligible recipients saw the last four digits of their bank account numbers were incorrect. This same error had occurred with prior stimulus payments (see examples below) and was primarily due to data glitches from third-party tax preparers to the IRS. When this happened with prior payments the IRS had to send the payment via a paper check in the mail, which could take several weeks.

If you don’t get your check by the end of April and don’t get notice of a paper check you will have to claim the stimulus payment as a recovery rebate credit in your 2021 tax return.

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Second Stimulus Payments – Final Payment Updates

The IRS has confirmed it has issued all first and second Economic Impact (Stimulus Check) Payments it is legally permitted to issue, based on information on file for eligible payees and their dependents. The GMP tool was last updated on Jan. 29, 2021, to reflect the final payments and will not update again for first or second Economic Impact Payments. If you haven’t yet received your payment and GMP is not showing payment details then the IRS is recommending you claim this (and past missing payments if eligible) via a recovery rebate credit in your 2020 tax return that you will file this year. Major tax software providers like Turbo Tax and Tax Act have updated their software to allow tax payers to claim their missing first or second stimulus payment as a recovery rebate with their 2020 tax filing.

[Updated for Second Stimulus Checks] I am getting this question a lot when it comes to the recently approved $600/$1200 stimulus checks. But there are two different questions and outcomes here. One is not so great news, the other is better but means a delay in receiving your stimulus payment.

But before answering it is important to realize that the IRS will use the information in your 2019 tax return direct deposit information to deposit your second stimulus payment directly in your bank account. You cannot change this information at this stage. For non filers the IRS will use the information you should have provided in the IRS non-filers tool or to your government agency (for Social Security Recipients, SSI, SSDI or Veterans) as of November 21st, 2020. The stimulus payment will appear in your account summary as “IRS TREAS 310 XXTAXEIP2” or something similar.

The IRS does not recommend calling them or your bank until later in January 2021, once the final processing for stimulus payments are done (including check payments). Instead they recommend using their official Get My Payment (GMP) tool to get the latest status of your stimulus check, including the dependent stimulus check. For those who have not yet received direct deposits, they should continue to watch their bank accounts for a deposit in coming day as the IRS is resolving some glitches (see update below) and reprocessing payments. The IRS has also noted that with the reissuance of some direct deposit payments that the information taxpayers see in the GMP tool, including account numbers and potential deposit dates, may continue to display unfamiliar account numbers. No action is necessary for taxpayers as this work continues; they do not need to call the IRS, their tax provider or their financial institution.

IRS update Jan 10th – Fixing Issues With Incorrect or Closed Bank Accounts and Tax Software/Preparers

Last week the IRS and major tax software providers identified payment detail issues. Specifically some recipients may have had their payment directed to an incorrect or closed bank (per their 2019 tax return). The IRS and tax industry partners are taking immediate steps to redirect stimulus payments to the correct account for those affected. The IRS anticipates many additional taxpayers will receive payments following this effort. In addition to redirecting payments to the proper accounts, the IRS and tax industry partners worked over the weekend to help a smaller set of impacted taxpayers. You can see more details on this issue below with comments from TurboTax and H&R block.

Note this issue only impacts taxpayers whose tax preparation providers followed initial IRS guidance and are now waiting for the IRS to re-process payments related to these accounts. For people in this group, payments may be issued either as a paper check or as a direct deposit. Taxpayers do not need to take any action or call; this will be done automatically.

Closed Bank Account Stimulus Check Deposits

The IRS has confirmed that if it attempts to use direct deposit but an account is closed, the bank will reject the deposit, and the IRS will mail you a paper check with the address it has on file for you. However, paper checks may take weeks longer to arrive than direct deposits. Regardless of how the IRS sends your stimulus payment, it will also send a letter to the mailing address it has on file for you to let you know “how the payment was made and how to report any failure to receive the payment,” according to its website.

While there was some flexibility to update bank accounts for the first stimulus payment, the second stimulus payment has to be paid out by mid-January 2021 so existing bank account information is being used. If you don’t get your stimulus check by direct deposit, check or debit card by February the IRS is recommending you claim the stimulus payment via your 2020 tax return.

IRS guidance for Second Stimulus Check Payment Options

My Stimulus Payment went to the Wrong Account

The IRS has announced that that due to the speed at which they issued this second round of stimulus payments, they sent some payments to an account that may be closed or no longer active. So if you were caught in this situation, know that you are not alone. Fortunately per the stimulus legislation a financial institution must return the payment to the IRS. But the process to verify an incorrect account was used and for the IRS to re-issue/correct the payment (likely by check)s may cause extended delays in stimulus payments for some in this situation. Checking the latest payment status on the GMP tool is the best option or if no luck in getting the payment after a few months then file for it in your tax return before April 15, 2021.

Several thousand people also reported that their first stimulus payment (back in March/April 2020) went to the wrong account based on the IRS stimulus payment status tool. This seems to be primarily related to people who filed their taxes through tax preparation services like H&R Block and TurboTax and received refund and reached an agreement with these services to receive an advance refund (or refund transfer). Time magazine originally reported this issue, which was caused because the IRS didn’t have direct deposit information for tax filers who used a refund transfer and received their money on a debit card. Naturally tax preparation companies are pushing back and saying this is an IRS processing issue.

H&R Block spokesperson told TIME that the IRS “has bank account information for all H&R Block clients who received tax refunds electronically, and is determining when and how stimulus payments are distributed. [The IRS] has created confusion by not always using clients’ final destination bank account information for stimulus payments,” the spokesperson continued. “We share our clients’ frustration that many of them have not yet received these much-needed payments due to IRS decisions, and we are actively working with the IRS to get stimulus payments sent directly to client accounts.”

Likewise, a TurboTax spokesperson said that the “IRS has the appropriate banking information for all TurboTax filers, which can be used by them to distribute stimulus payments. This is true regardless of whether a customer chose to receive their refund on a debit card, selected refund transfer or other services. Any TurboTax customer who selects a refund transfer or a debit card and gets a stimulus payment sent from the IRS to those accounts will receive those stimulus payments without delay or fees into the account they received their tax refund,” the TurboTax spokesperson added.

If your payment was actually sent and deposited into the wrong account then you probably are going to have limited options. Your best bet is to contact the bank where your money was deposited (per IRS status) and ask to see if they can reverse the payment. But again this will mean the stimulus payment will be sent back to the IRS and you will need to wait for a paper check. Otherwise you the IRS is recommending you claim the stimulus payment via your 2020 tax return.

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160 thoughts on “My Stimulus Check Payment Went to the Wrong or Closed Bank Account”

  1. Just a heads up I read up on it a little bit further cuz my stimulus check your payment had the wrong bank account numbers also but I read a little further and states that if you’re getting direct deposit or direct Express the numbers that shown on my payment IRS website doesn’t reflect to your card number doesn’t mean it’s not coming to your card I checked my card and I have a pending transaction for my stimulus check so check your cards just because the four numbers on the website says one thing doesn’t mean it’s not coming to your account

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  2. We received our 3rd stimulus today. Except its missing my 4th child on it. He was born in 2020. Except we did file 2020 tax returns, so i have no idea why they didnt go off that return. We have the same bank accounts the last 5 yrs so cant be that. Where is our missing stimulus check for him? I hope i dont have to wait an entire year to file a tax rebate! Help me please.

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    • I suggest to all people having trouble getting y’all’s stimulus checks make an irs account that’s ya best option damn talking about cry babies

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  3. my first stimulus went to my bank account…no problem…that account got CLOSED so my second went on my SSI card…now they are sending my 3rd to the OLD CLOSED bank account…why this is happening to beyond me…and completely ridiculous…so NOW i will have to wait weeks or maybe even have to file for a rebate when i don’t even have to file taxes…what is really going on the the government and how does this REALLY help struggling families NOW by adding stress???

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    • My first stimulus went to my bank account. It got closed right before the second stimulus. So they mailed me a check. I look at my status today and it says not enough information. I know the irs knows my address. I just got a letter yesterday about the second stimulus! I don’t file taxes. Will my status change to being mailed? Did I get that status of not enough information because my account was closed? I have informed delivery and haven’t seen any check! I wouldn’t think the post office would send my check back. I’m so confused. So upset.

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  4. My first two stimulus checks were mailed to me through a check now I just checked the get my payment tool and it says it’s being direct deposited into a account that I don’t recognize so why would the first two come through the mail through a check and now this third one go to an account that I do not recognize? I feel your pain and every time you try to contact the IRS you can never get a hold of anybody

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  5. My 1st and 2nd stimulus went to my usaa my wife and I already filed our tax return for this year and they are splitting our stimulus checks like we are not married hers is going to the right bank and mine is going to a closed account from 2018 I’m confused at this whole situation as we filed joint and the irs obviously has my new tax return as they have updated bank and address for my wife for her stimulus but mine is going to an old bank account but has my new address shouldn’t we only be getting 1 check instead of 2 since filing joint?

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  6. My first two payments i used direct deposit information and was fine this year i changed my dd information and the person who filled my taxes put the wrong dd information to an account that dont exsist how can i get my money or will i recieve it i thought they would use the same information from the first two payments i guess not i hope im not screwed

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    • Have you checked the GMP tool? It will tell you which account it’s going to. We updated ours after the first payment (I put the wrong acct number on 2019 return, then corrected it online). They sent payment #2 in Jan to updated account but now for payment 3 on that tool it has reverted back to that 2019 tax return account. So yours may actually go to an account on a previous tax return target than 2020.

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  7. I do not recognize the account the stimulus is being sent to. It is NOT a closed account, it’s an unknown account. No one seems to have this issue. I’ve read 1 comment where someone had this problem and no one replied. SOMEONE HELP

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    • I don’t recognize the account my third stimulus is being sent to either my first two stimulus checks were mailed to my address via check now it’s saying on the get my payment tool that it’s being direct deposited the 17th to an unknown account number I have the same issue

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    • I have the same problem. First deposits went correctly to my bank. The 3rd went to an account I don’t recognize. Can’t find any info on what do do.

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      • Having the same issue called irs told me to fill out a form 3911and fax it to local irs office in my region. Then I by the way wait a minimum 6 to 12 weeks

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    • The same thing happened to me, and idk what to do.. I’m missing stimulus check 2&3.. the first 2 were paper checks, and the 3rd was deposited into someone’s account and idk what bank its at or anything because I don’t have a bank account I have a prepaid debit card. So u definitely aren’t alone

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  8. Get my payment tool says stimulus payment will be direct deposited.I don’t have a bank account nor do I receive ssi va benefits or any assistance that would allow the payment to be made to me. How should I rectify this situation.

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  9. ok — I did not get my second $600 payment — it was sent to my closed bank account and the bank confirmed it was reversed. SO i filed taxes which i do not normally have to do — thru TurboTax — so i answered the question the form asked me — based on Filing Status of Single, No Dependents, SSDI income of less then $10,000 per year and a Rebate of $600, I was due to get my $600 stimulus back via a tax return rebate of $600. Simple return right? Updated my address and deposit account on my return. 21 came and went — get the still processing message– then the new stimulus bill was passed for $1400 ITS THEN i get the message from IRS that they reduced my refund to $0 stating I made more then the $75,000 allowed for a single filer… HOW … I make nine thousand a year in disability. Cant amend the return,cant speak to a rep Im always told the line is busy call back later. Do not know if they updated my address or account to the new information because again, no live help. So what do I do ??

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  10. I got a question…i did my taxes and left off a digit on my account number so my bank sent it back to the irs…ira said once they release it they will send me a check…my question is when the third stimulus passes will they send me a check automatically or are they going to try and send it to my bank even tho its the incorrect account number and will i have to go thru this again….thank u!!

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    • I’m dealing with this now as we speak and yes you will have to go through it again… I was just on the phone with the irs for 4 hrs most of it hold times… they deposited my second stimulus into a old account that was never on my 2019 taxes. They can’t explain how or why this happened… the lady told me that there is a tool on there website that may allow you to update your banking info but I still haven’t found this tool… if you do please share the link… thanks I hope this helps

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  11. My account still says: Payment #2 Status – Not Available. I closed my bank account, so no longer getting direct deposit. I never got a check in the mail either. This message has been on my account since the announcement of distributing the $600 checks. Any ideas ? I don’t have to file taxes bcz I’m disabled since 2011.

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  12. I just filed my taxes. The routing number was put I wrong so it delayed my refund. I’m wondering will a check be mailed or will I ha e to wait to file as a rebate credit next year?

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  13. On 1/29/2021 my stimulus check was deposited into a closed bank account. I am reading through the comments, and since my deposit was sent late is the IRS still going to mail out the check
    I checked my transcript and the IRS did get the check back but no update yet as far as anything being redirected.

    I see alot of comments that since Biden signed something that the IRS has to redirect checks? Is that true?

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    • The exact same thing has happened to me. Mine was dd into a closed account jan 29th. So idk If they will send us a check or not. Hopefully they do.

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      • at this point if your GMP hasn’t updated yet then chances are you’re going to have to claim it on your taxes I know it’s something most people don’t want to hear but it’s the truth

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      • Correct. Either claim through your tax return (as a recovery rebate credit) or wait for the non-filers (or new) tool to reopen per Biden’s executive order. Updated article to reflect this.

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    • hi i went to jackson hewit or you can go to any tax place fill out a 8888 form it updates your banking information hope this helps i have the fax number to fax it to them.

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    • My check went to a closed bank account and now says it was mailed Feb. 4
      Still have not received and it’s March 6

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      • Did you ever receive it yet? Same issue here and it said it was sent out Feb 5th and it’s still not here and it is now March 13th!!

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    • Same here, sent to a closed account and GMP says to be mailed February 5th. It took a month to get the letter that they send out stating they were depositing it. No check yet but I stopped waiting cause I’m starting to wonder if someone is walking it to me lol ‍♀️good luck

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  14. This entire time the Get My Payment portal said payment status not available and I figured that was because the account on file was closed and we would have to claim the rebate. I checked it this past weekend to make sure nothing changed because I had an appointment to file my taxes. It said our check would be deposited into the closed account on February 3rd. Obviously it got rejected and sent back, but will they still be sending a check? I had to push my tax appointment out further because they said a check would be mailed but I’ve read so many different things I don’t know what’s true.

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    • Same problem with mine. You can file it on ur taxes under recovery rebate. I read online that if the check comes later u have to send it to them.

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  15. The irs say they deposited my refund to my social security number on Jan 4th. I assume it was rejected since it’s not an account number. Then 5 days ago I was told on the GMp tool that my refund will be deposited to a closed account that I had on jan 29th. It is now Feb 1st and nothing has changed on the gmp tool. I wonder if they are going to mail my payment to me being that I’m sure the deposit was rejecting on the 29th. The irs isn’t processing federal taxes until feb 12th to correct the stimulus issues but I wonder if they will mail my payment since when they reissued my payment already they sent it to a closed account. The first time they sent it to my ssn the 2nd time they sent it to a closed account. Smh. I hope they mail my payment like everyone else’s.

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    • Im in the same boat as everyone else, My stimulus payment went to a closed/Inactive bank account. I checked the irs get my payment tool every week hoping I didn’t have to claim the stimulus payment when I file my taxes, I just checked today and they’re mailing out my stimulus check February 5, so that’s great news! The information is correct, If your stimulus check went to a closed/Inactive bank account they will mail you a check..Good luck to everyone.

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      • The get my payment tool showed mine would be mailed Feb 5th because it was sent to a closed account Jan 4th. Well my informed delivery showed it is out for delivery today! Maybe other people will get theirs a few days earlier too hopefully.

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      • ricky, curious, did the gmp tool update from showing a closed dd account to when they mailed it or did they just mail it?

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        • So im having the same issue the IRS sent me a letter saying they issued my 2nd payment by direct deposit but I never got it and I they said they were sending me a check Feb 3rd never got that check so I claimed it as recovery rebate , and then the 3rd payment goes to the same closed account and everytime i call they never answer it really is starting to piss me off honestly

  16. Hey guys,

    So my situation is the same as most of you – the IRS sent the payment to a closed bank account.

    I checked my payment status every week and it did not update. It kept saying they sent to the closed account, so I wasn’t sure what was happening. I was worried I would have to wait for my W2 to file a tax return to collect my stimulus payment.

    Well I check the IRS status today (1/30/21) and it finally updated. It says they’ll be mailing my stimulus check on the 5th of Feb. This delay hurt, but better late than never.

    Reply
  17. Hey guys so today 01/28/2021 i check my status on the Irs because my stimulus payment was send to my old closed account and , it said the my payment was going to be mail to the Address they had on filed for me. This is great news for everyone cause most likely if your payment went to closed account you will get it my mail so there you go guys. The irs will send out your payment by mail. And all those people saying they weren’t get your info right and dont talk out of your ass thank you. & God bless y’all .

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  18. Check your transcripts! They will update with the new information. I wish we could share pictures on here so I can show you what to look for! My transcripts show that my stimulus was issued on January 4th and then it was canceled on January 18th and a new refund was issued on February 2nd. I hope that helps.

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  19. This is the most recent information, copied and pasted directly from the IRS website:

    Watch your bank account and mail for stimulus payment
    We’re automatically reissuing second Economic Impact Payments for some taxpayers who don’t recognize the bank account information shown in Get My Payment. Also, payments will be issued by mail for other taxpayers who didn’t get a direct deposit because our records show their bank account is closed.

    You do not need to take any action.
    If you don’t recognize the bank account information shown in Get My Payment, you’ll get the reissued payment by:

    Direct deposit. Watch your bank account for a deposit in the coming days. Get My Payment may continue to show unfamiliar account numbers as we reissue payments.
    Mail. Watch your mail for a paper check or debit card

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  20. SO JUST POSTING THIS TO CONFIRM THAT THE IRS IS RESENDING STIMULUS THAT WERE SENT TO WRONG OR CLOSED ACCOUNTS..I KNOW THIS TO BE 100% TRUE 2 WAYS..1)MINE WAS REJECTED BY BANK AND SENT BACK ON THE 4TH OF JAN. AND I JUST RECEIVED IT VIA MAIL ON SAT. THE 22ND .AS PER NEW ADMINISTRATION IN WHITE HOUSE BIDEN SIGNED A EXECUTIVE ORDER MAKING THEM REISSUE IF U HAVE THIS PROBLEM SO THEY HAVE TOO AS PER LEGISLATION GET AS MANY AS THEY CAN OUT AND ALSO MY WIFE WORKS WITH THE IRS AND SHE SAID THEY ARE STARTING TO SEND OUT CHECKS TODAY THE 25 TH..SO BE PATIENT IT SUCKS BUT THEY WILL COME..MINE DID..TOOK 2 WEEKS BUT IT CAME SO IM GRATEFUL..HOPE THIS HELPS SOME OF YOU OUT..

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    • Thank you so very much for this information. I’ve been trying to find out exactly what was going to happen with my check since they started sending them out and it showed that it went to my closed bank account. I keep finding information for TAX PAYERS but nothing updated about NONFILERS and what’s happening with those checks if they went to closed or wrong accounts. I’ve been told that NONFILERS were going to be receiving them in the mail after the IRS received them back from the bank, then I was told that NONFILERS have to get the IRS to do tracking for the check and wait for the IRS to contact you after they’re done with their investigation and then I was told that NONFILERS have to file taxes with a LEGALIZED TAX PREPARER ONLY to get the check back. They’re not allowed to prepare it themselves and ONLY AFTER THE PREPARER HAS BEEN PIF will they receive what’s left of the check back. I swear I’ve never seen nor heard so many different things about one thing in all my life. I wish that they would’ve just simply opened the stimulus website like a month or so before to let people update anything that had to be changed so that everyone who had received the first payment with no problems could’ve just gotten theirs again without any hassle but oh well. I thank you again for your help and I appreciate it also. Enjoy the rest of your day.

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    • Did they change your status to being mailed in the portal or did it just stay the same but they mailed you a check. I have the same issue. The direct deposited it to a closed bank account but it got rejected. I have not had any updates on it since.

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      • The status changed in the portal when i checked Wednesday, It changed from deposited in my Inactive/closed account to being mailed Friday February 5,… To my address.

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    • Did the get my refund website update the check info for how it was sent to you? Mine still says deposited to my account that is closed . Can I use the website as guidance for this update aboht the reissue of the checks you said or?

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      • Yes for me it did. It tells you that it’s going to be mailed to you on a certain date but give it 4-6 weeks for delivery.

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        • It actually took 2 1/2 weeks for the people who had the date of the 6th.. So hopefully Those of us that has the mail out date of the 2nd will it get 19 days from mailed out day!

    • Mine was rejected by the bank to on the fourth, but the only reason why I know is because the bank told me. When I go to get my payment it still says it was deposited it doesn’t say they mailed one. Did yours say they mailed one or did it still say deposited?

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      • When it’s updated it tells you that it’s going to be mailed to you on a certain date but give it 4-6 weeks for delivery.

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      • Mine said scheduled to be deposited Jan 4 but the act for number they sent it to is closed..as of today jan 28 it’s still saying same thing..should I just keep watching for it to come in the mail?

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    • My stimulus was shown to be direct deposited on the 4th 2021 just like everyone else my account was closed,the bank (chase) said they sent the payment back. (gmp) still has same info it was deposited on the 4th.. will I receive check via mail? I been checking everyday but haven’t received anything? Also I moved so the post office is holding my mail at the last address the irs has on file for me..I go to the post office everyday I haven’t recieved anything can anyone tell me a sure answer I’ve heard a billion diffrent things? Will or have they sent a check? At this point I jus want to know do I have to file the rebate or is their a check in the mail ?this is crazy to me!!

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      • They updated my information and it tells you that it’s going to be mailed to you on a certain date but give it 4-6 weeks for delivery. I had moved also but I did a chang of address before I actually moved so that my address at least would be updated since the IRS wasn’t letting anyone make any banking or other changes to their accounts on the website. Whatever address that you have with them is where your check will be mailed to and if the post office is holding your mail you may want to make sure that they can hold Government Mail and if so for how long. I hope you get some updated information soon. Be Blessed

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    • Thank you Mauricio. I just commented on this board before I saw your reply button underneath….this was my comment:

      Thank you everyone for the comments. Mine shows that it was deposited on January 4th; however, that bank account had been closed. I have read and heard so many different things, i didn’t know what to believe. It still shows “deposited” on the Get My Payment website on the irs.gov; however, I did confirm with the bank that it was received and rejected. The bank then had to return the payment. I haven’t received the letter / form that the IRS mentions that they follow up with. I think they just pushed this through too quickly and didn’t give people a chance to update their bank information. Thanks again I will keep looking for the check to be mailed.

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    • Hey everyone. Exact same situation as you all, eip sent to closed account, GMP tool has been saying all this time “deposited on January 4th”. Only just now (6pm, Wed.,Jan 27th) did the GMP update my status to read “scheduled to be mailed on February 2nd”. Still have yet to receive any letter, but of course GMP says they’ll send me one…

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      • If it’s like the first one, I received my letter about 3 months after I had gotten the first check but they told me that I’ll receive a letter from this one also that I haven’t gotten nor the check.

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    • Thanks I change bank Dec,4 I don’t file taxes I get ss,an I’m my son payee so we both didn’t get yet,so yes I’m praying it comes in mail soon,Thanks

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    • If mine was sent to a closed account I will still get a paper check in the mail?as of yesterday I still haven’t gotten it. Haven’t checked mail yet today..on the get my payment tool it went to a closed account on Jan 4 .

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    • Quick question! I just filed and recieved my taxes last week 3/8/21 However the wrong routing number was put in so initially I had to get a paper check which will arrive tomorrow. Will they mail out 3rd chevk as they done for the 1st and 2nd?

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    • How long did it take from the time the deposit was rejected by your closed bank acct til u actually received a check?

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  21. Mine was deposited on the 4th to a closed account. I called the bank, and they said they checked the old account and never received it. I’ve tried and tried to call the irs to do a trace and never can speak to someone directly. Anyone else have this problem or advice

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    • Mine also went to a closed account. The IRS tool still says will be deposited Jan 4. I don’t know if they are reissuing them or not. You read one thing saying they are and the next one says they aren’t! This is unbelievable!

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        • I finally got an update when I checked the Where’s My Refund site. Finally got confirmation that I’ll be mailed a check the first part of February and then give it 4-6 weeks to be delivered. So thankfully they’re reissuing checks that have went to the wrong or closed bank accounts but I’m not sure if they’re reissuing them to some or all. For you that haven’t received yours yet, info hadn’t been updated or just can’t get any questions answered that you may have, I pray that you all get your situations handled with wonderful news soon. God Bless

    • I was on the phone with the irs on Friday the 22nd I called at 5:40 and finally spoke to someone at 6:35 they put a trace on my stimulas due to it going to a closed account. Hopefully get some kind of answer soon they said it could take up to 90 days

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  22. I’ve seen a lot of the same questions with ALOT of different answers so my story sent to closed account on 4th I called the bank they said nothing came through so do I file it on taxes or hope for the best and just wait unreal what you have to go through to receive a payment but quick to get their hands on my check. I’m annoyed.

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  23. Child support took my 1st
    Stimulus check and the lady I worked for put one of her card information on non filers. And since child support took the first one i wasnt worried about it well now child support isn’t getting the second stimulus. Mymoney went into her account and now she says she dont know what account it is.
    So I have no clue what bank or routing number it is. And she is giving me run around. What is gonna happen to my money now.

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  24. my $600.00 stimulus check went to a closed account. account number7701 ending # will i get a paper check to my current address or debt card. please call me asap to let me know thank you so much. 7708854180

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  25. So the IRS sent my stimulus to an old account, of which when I called my bank they said they sent it back but the get my payment tool says it was deposited still. Is there a way I can figure out if the IRS actually got it back? I know that given the date I’ll have to claim it on the recovery rebate because they won’t mail it out now but as far as I can tell they think it was deposited. so I wasn’t sure if it just hasn’t got back to the IRS, or if I have to do something so they know my bank denied it.

    Reply
    • My exact same situation. The last time I called they said they still didn’t receive it back (the irs). I’ve been told I would receive a paper check when they receive it back, but I’ve also been told I’d have to claim it on taxes. The irs told me both things! It just depends on who you talk to. They also said the bank has three weeks to send it back to them. Getting a little worried since the bank told me they rejected it on the 4th and a few days ago the irs said they still hadn’t received it. Good luck!

      Reply
  26. OHIO here.
    I received my 1st stimulus last April no real problems. I was worried because I’d recently moved a month earlier, but my check showed up on USPS Informed Delivery. I went to the post office the following day and picked up my check.
    2nd stimulus was sent to a closed account. I was on hold 3 hrs last Friday before speaking to an IRS agent. She told me that the IRS is working with the USPS to re-issue checks to individuals whose accounts were closed. She said worst case scenario if it doesn’t get delivered to my home I will have to ask my tax preparer to have the IRS issue the funds as a Recovery Rebate. I wish now I hadn’t updated my bank account info last year using the IRS payment tool, perhaps then I would have just received my check in a timely manner. Hope this helps someone

    Reply
  27. My old bank account was closed and my check was sent to it, and then returned to the irs, does anybody know if I will receive a check or if there reissuing the stim to people who had closed bank accounts in check form?

    Reply
    • No. They are not reissuing checks to those whose payment went direct deposit to a closed account. You will have to file it on taxes.

      Reply
  28. Is a check or debit been mailed for closed direct deposit accounts? I can’t find anything that definitely days yes or no like they(irs,) deliberately confused the matter to not send by the 15th.not fair to the tax payers that now would have to wait for.

    Reply
    • No. If you look on rhe IRS website u der 2nd Stimulus payment. Then go to the Q&A section. It tells you they will not be reissuing checks that were sent to closed accounts. Has to be filed on taxes

      Reply
      • You’re incorrect. Please read this story. The IRS will send checks to deposits that were sent to a closed account, if the IRS has your correct address on file. My status still shows the deposit was sent to the IRS on January 4th. I was told that the status should change by January 29th showing that a check was mailed to me.

        Reply
        • Mine went to a closed account too, but the status still shows that it was deposited to the bank account, not that it was returned to the IRS. I’m worried now. So yours shows that it was returned to the IRS?

      • You will hace to file taxes qnd file for the rebate then. They are NOT reissuing checks as per their Q&A on the IRS WEBSITE. They further explain that they do not have the time ,as it is about tax s3ason.

        Reply
        • You need to look at the updated information. What you are saying is what the its said initally. Jan. 11th or it was the 15th, one of the two dates IRS updated info for non filers especially about there stimulus that was deposited into closed accounts. The new information for non filers is that they would recieve a check by mail as long as a address was on file with the IRS. If you did used the non filers tool for the 1st. stimulus, they would have a correct address and the 2nd. stimulus would come to you at the address you gave then when you used the non filer tool for the 1st. stimulus because you don’t pay taxes, or do not currently work. That is my situation, I am currently still waiting for mine. Today I have check the status of 2nd. stimulus on the IRS website and it still say the samething deposited Jan.4th into a closed account. IRS updated info says do not worry if the your status still says the samething as it did on Jan 4th. It supposed to be updated when stimulus is reissued to you by check in the mail because they are not allowing you to update your information with a active bank account you have. There for you will be receieving a paper check. If you are a tax payer IRS updated information says they would recieve a paper check, or a debit card in the mail. Just to let anyone know even though I’m still waiting for a check in the mail, I have a sibling that is in the same exact situation and same situation receieve there check in the mail last week and as of yesterday there status still says there 2nd. stimulus was deposited Jan. 4th into the closed account they have. So, the IRS still has not updated their information on the website.

  29. ok can someone clarify as of today 1/14/2021 if direct deposit was sent to closed bank account per get my refund tool IS or IS NOT the irs mailing out checks were rejected by the closed bank account? and if the account they have was closed with a negative balance does the bank have the right to not send the amount negative back to the IRS? Please assist, every where I look has different info. Thank you!!

    Reply
    • from my research if your check went to closed account irs did reprocess those payments as checks to be delivered within weeks end of Jan beginning February I hope cause this also is my situation

      Reply
    • Laura, I was told by Chase Bank and The IRS that “LEGALLY” no matter what… due to legislation that was passed by the government the bank CANNOT keep your Stimulus Check. Even if you owe the bank money. The bank will reject the funds if sent to the wrong account or closed account. Or issue a check or debit card. Or accept the funds into the open account even if the account is in the negative. From what they told me if it has to be mailed it could be 2-3 weeks by mail or it could be months. But months is worst case scenario. So to be safe if you haven’t received it by the time you file taxes claim it at that time. Again this what I was told by Chase and someone who works for the IRS. I hope it helps.

      Reply
      • Does anyone know if they are forward stimulus checks to people new addressed I have moved since the first stimulus checks

        Reply
      • Thank you, literally every where I read no info is consistent. It’s a mess. I’ve heard info that you said, I’ve read that they are sending out paper checks that were returned from closed bank accounts , I’ve read you have to wait . No one says the same thing twice in a row! I try to look at info online with the most recent date. Articles will literally say for this situation u will get a check then in the same article a few paragraphs down they will write about it again saying no !

        Reply
  30. so if it says your payment is scheduled to be deposited and the bank account is closed you won’t receive a check instead?

    Reply
  31. Where is the information that replacement checks are being issued for those of us on SSDI whose 2nd stimulus was sent to an old bank account rather than where we receive our benefits coming from? Everything I am finding is saying that replacement checks will NOT be issued and a tax return will have to be filed.

    Reply
    • They won’t reissue if UNDELIVERABLE AND IS RETURNED BY THE POST OFFICE! IT STATES, if your account was closed at the time of direct deposit you will be mailed a check or card!! WILL NOT BE ABLE TO REPROCESS NOR SEND OUT IF IT’S RETURN TO THEM BY THE POST OFFICE!! Not because your Account was closed.. Yeah, some people REALLY needs to read!! I’m in this same account closed situation!!

      Reply
  32. I’m on social security and my bank account has changed since the first stimulus check and they put it in my old account will they mail me a check

    Reply
    • Im in the same situation. The above article is incorrect in that, it states that they will send it to the account in which you receive your benefits as of Nov. 21, 2020. I have been receiving my benefits in my new account since June 2020 and they still sent it to the old account. Furthermore, they were aware of that because in October they sent a $500 dependent stimulus to the old account and it was rejected so they had to mail me a paper check. So, it doesn’t make alot of sense really.

      Reply
  33. My Stimulus check was sent to my old Bank account that was close so I call d old bank n they say yes they have d check but they not going to give my stimulus check back because I have a negative balance n d IRS said d bank should send back my check by d account was close that they not suppose to keep d check d IRD said for me to fill out a 1040 n a 1040 sr form n send them in so I can get d money back
    Need help on finding a solution to get my money back

    Reply
  34. Im in this situation waiting on TT bank to return the money. They stated thay are not facilitating those payments and send them back to the IRS. I will not get the recovery credit on my taxes as my transcript shows i was issued a refund. It will be zero out on the 18th, showing the IRS owes me nothing lol!! I don’t want to have problems with my tax return. So im going to wait until next week to see if my refund has been sent back to the IRS as it takes 5-10 days. My only option is to wait for it to come probably in the mail and i will never use TT ever again. Tax season is almost here. Those accts should have been open by now. I blame TT not the IRS because they go by what’s on file.

    Reply
  35. I am a SSDI recipient and receive my payments via direct deposit to direct express card since July 2020, I checked the IRS tool and it stated that my EIP2 payment went to an old bank account I had received my EIP1 payment in April 2020, what happens now? I would’ve changed info on the IRS website before Nov 2020 but it stated that the SSDI recipients didn’t have to change anything and would automatically come however I receive my SSDI payments

    Reply
    • Same exact situation here. Due to that bank account being closed months ago, I get my checks in the mail, yet the IRS sent it to that bank account again. They, clearly, couldn’t bother to use updated information.

      Reply
  36. My first stimulus was fine and went to the correct bank account. “Get My Payment” feature on the IRS website says they sent the money to a bank account that I have NEVER had. I’ve checked records of my old bank account numbers, none of them match. My 2019 Tax Return was direct deposited into the same bank account the first stimulus was direct deposited into, with no issues. How and why would the second stimulus go elsewhere?

    Reply
    • They won’t reissue if UNDELIVERABLE AND IS RETURNED BY THE POST OFFICE! IT STATES, if your account was closed at the time of direct deposit you will be mailed a check or card!! WILL NOT BE ABLE TO REPROCESS NOR SEND OUT IF IT’S RETURN TO THEM BY THE POST OFFICE!! Not because your Account was closed.. Yeah, some people REALLY needs to read!! I’m in this same account closed situation!!

      Reply
  37. My second stimulas check was sent to a bank account but its closed already so im wndering if they will reissue me a paper check instead

    Reply
    • That is correct. Your old bank (account) should reject the payment and notify the IRS. They IRS will then re-issue a paper check which could take 2 to 3 weeks to get to you.

      Reply
      • I know the IRS website said the same thing yesterday. That they will reissue and mail a check for closed accounts, but today is says they will not be reissuing checks?????? Can someone clarify???

        Reply
        • Where is the information that replacement checks are being issued for those of us on SSDI whose 2nd stimulus was sent to an old bank account rather than where we receive our benefits coming from? Everything I am finding is saying that replacement checks will NOT be issued and a tax return will have to be filed.

  38. My tax return onformation was stolen and i had to file a fraudulent case. So they filed before me and the bank information was incorrect. How do i fix this problem???

    Reply
    • Ugh. You will need to call the IRS to resolve this. If you had a case before the IRS would have flagged this and likely not issue the payment – but you will need to verify your identity to get the payment. If your address is correct they may also mail you the check.

      Reply
  39. My bank account has not changed since the stimulus check was sent. However for some reason the IRS sent my 2nd check to an old bank account.

    Reply
  40. My bank account is now closed where I received my first stimulus check, how long will I wait to receive my 2nd check

    Reply
    • You have to wait to file tour taxes is your bank account is closed the irs stated because the filing year is here they will not resend a check via mail to those who accounts were closed

      Reply
  41. I move from my old address due to the the pandemic unemployment not making enough my bank account has closed how can I change the direct deposit information

    Reply
      • H&R Block is responsible for us not receiving our money they knew that it was possible for the IRS to send out payments and they didnt upgrade their information so this problem could of been avoided. I received my refund in August of 2020 by direct deposit so why i didnt receive my stimulas payment on time??? And if they send out the 2000 stimulas will we get skipped out on that payment too?

        Reply
  42. How do I contact the bank from turbo tax which my check was sent to, I didn’t get the information from the bank. It says my check was direct deposited on April 15 to my account but it’s actually a turbo tax account it was sent to and turbo is saying to contact that account for a reverse payment

    Reply
    • Hi my app acct just got closed Mar 16th. Now will cash app support send the third stimulus check bk to irs? And is irs doing any check reissue on third payment. I talk to cash app and they say no information is found on old app acct.

      Reply
  43. Just confirmed with Greater Nevada Credit Union that they did receive my stimulus to a closed account and decided to deposit it into someone else’s account because we had the same last name!

    Reply
  44. Question, I receive Soc. Sec. Disability and I did receive my 1200.00 this morning, but i just found out that I put the wrong Bank account # by mistake in the Non-Filers portal to receive the 500 for my dependents and didn’t get anything for them. I called my bank and they saw that the account I used was an old closed savings account I use to have. She said they may send it the mail, but idk.. Any thoughts on what I need to do? Thank you in advance..

    Reply
    • File it on taxes is the only way you will get 8t anytime soon. Same thing happened to me. Because of tax time tbey wont reissue them.

      Reply
  45. What about people who owed money and then changed their address? That paper check going to the wrong place will likely never be seen. Any ideas on how to resolve that? Thanks

    Reply
    • Great question! My 2nd stimulus went to a closed bank account then was supposedly mailed on 2/4/2021. Still have not received and get my payment shows the 3rd check depositing to the same closed account on 3/17!
      I’m a single mom struggling

      Reply
      • Same thing happened to my fiancé. His check said it was mailed feb 5th after being sent to a closer old account.
        Still have yet to receive it. The IRS said if you have a forwarding address on file it could take up to 6 weeks to receive! After that they can do a trace of the payment.

        I did see online that if the payment tool online is only allowing people with “not enough info” to put a new direct deposit account in online since they closed the thing down for actually changing your direct deposit.

        If his isn’t here by tomorrow he’s gonna call in again about it, thing is the hold time is insane right now lol!!

        Good luck to everyone!

        Reply
  46. You’re not answering questions in the other artcles, why start a new one?

    Hello, there is still nothing on new jersey dol site about 13 week ext, I’m tired of seeing the same as are awaiting guidance from federal government. The federal big doesn’t decide if you get an extenskion. The money was given to new jersey to help the unemployed.

    I’m very scared I run out in two weeks, this should have been addressed. All the answers here said the next would be given,as well as the enhanced benefit was that the wrong answer?

    Reply
    • I have a few staff writers, who are different to those who respond to comments.

      To answer your question re NJ. They are still to roll-out the 13 week extension and like most states are way behind updating their systems. Federal guidance via the DOL has been provided. This is what their official site says (was last updated April 9th, so hoping this is resolved by end of april)

      You do not have to do anything except continue to certify weekly to receive the $600/week. Residents already collecting unemployment will begin to see their $600 supplemental unemployment benefit arrive April 14 (for the week of March 29th). This taxable $600 payment is issued separately each week – you may receive it at the same time as your regular Unemployment benefits, or a few days later. It will usually be deposited into your account on Monday or Tuesday. We are awaiting guidance on the 13-week extension of unemployment benefits. Please check back for details.

      Reply
        • The same way you certify before is the same way you certify now log into your My UI portal and select Claim weekly benefit and continue to fill out all information they are going to back pay once they are done waiting on so called “guidance”

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