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How to Get Your Stimulus Check

If you're not a member with NWCU, check with the IRS for your stimulus check.

Note that the IRS determines when and how you get your payment. The US Treasury and the IRS made first funds available for release March 17th, with checks starting to go out March 22, 2021. Another distribution of direct deposit payments will become available on March 24th. These payments may appear as pending to the account prior to funds availability. Members who do not receive a deposit by March 24th may yet be part of a subsequent wave of payments in the following week or later.

Watch the mail for paper checks, EIP Cards. Taxpayers should note that the form of payment for the third EIP may be different than earlier stimulus payments. More people are receiving direct deposits, while those receiving them in the mail may get either a paper check or an EIP Card – which may be different than how they received their previous stimulus payments. IRS and the Treasury Department urge eligible people who have not received a direct deposit to watch their mail carefully during this period.

Paper checks will arrive by mail in an envelope from the U.S. Department of the Treasury. For those taxpayers who received their tax refund by mail, this paper check will look similar, but will be labeled as an “Economic Impact Payment.”

Our call center may be flooded with calls from concerned members asking if their payment has arrived or wondering why they see the transaction pending. This may result in very long hold times.

What can You do to Prepare for Your Stimulus Check?

  1. Did you file previously with direct deposit for a tax refund? You'll automatically receive your stimulus deposit in your open, active account under your membership with matching name. Even tiny errors in account information could cause a delay in receiving your full or partial payment.
  2. Update your contact information with NWCU inside online banking with the best contact information.
  3. Watch Out for Stimulus Check Scams
    • If you are contacted by anyone to fill out a form regarding your stimulus check or anyone asks you to provide an account number for your stimulus check, it’s likely fraud.
    • The IRS will not call you seeking your account information in order to deposit stimulus funds. They will use direct deposit to the account last used for your tax refund in prior years; or, they will send out letters and/or mail a paper check. Do not give out your personal banking information to any caller.
    • NWCU will not call or text you asking for your online banking credentials (user id, password, card number). Do not give out your personal banking information. We will verify you in other ways. Not sure? Hang up and call NWCU!

When Will You Receive Your Stimulus Check?

The IRS emphasizes that there is no action required by eligible individuals to receive this third payment. Some Americans may see the direct deposit payments as pending or as provisional payments in their accounts before the official payment date. The IRS reminds taxpayers that the payments are automatic, and they should not contact their financial institutions or the IRS with payment timing questions.

As of March 17, 2021, the Internal Revenue Service and the Treasury Department will begin delivering a third round of Economic Impact Payments as part of the Biden administration's American Rescue Plan.

You’ve Got Your Stimulus Check. Now What?

Not sure if you’ve gotten your direct deposit yet? Here are ways you can check your balance quickly, whenever you need:

If you’ve received your stimulus check via direct deposit, congratulations!

Confirm the amount is correct. If there’s an error with your stimulus check, contact the IRS immediately.

If you received a paper check, endorse the check and deposit it immediately. Since many financial institutions have reduced hours or are offering services by appointment only, consider depositing your check using your smartphone.

Follow These Steps to Deposit Your Check with Your Smartphone

Once the money’s in your account, start using it for what you need it for!

Our Bill Pay service can help you handle your bills from home.

What to Expect with Your Stimulus Check

The amount is based on your 2019 and 2020 tax filings. Your stimulus check will be paid using the method you used to receive a refund check or pay your taxes. If you received a refund via Direct Deposit, your stimulus check will be paid the same way. If you received a paper check, you’ll receive a paper stimulus check.

If you receive Social Security and don’t file a tax return, your check will be based on information provided by the Social Security Administration.

If you haven’t filed a tax return in 2019 or 2020, the IRS recommends filing a 2019 return to receive payment as soon as possible.

You do not have to do anything to receive a stimulus check.

Be aware of text messages, phone calls, or emails from those claiming to be the IRS. The IRS will not text, email, or call you about your stimulus check.

We’re here to help you. You can trust that all deposits at Northwest Community Credit Union are covered by the NCUA for up to $250,000 per individual depositor.