COVID-19 Stimulus Checks: How to Use the IRS Direct Deposit Portal

Getty How much would you receive in the second round of stimulus payments?

The Internal Revenue Service (IRS) has officially launched its direct deposit portal, called “Get My Payment,” to help Americans get their stimulus payments more quickly. The Economic Impact Payments are part of a stimulus package passed by Congress to help Americans cope with the economic impacts of the coronavirus pandemic. People set up with direct deposit will receive their payments faster than those waiting for checks to be mailed.

You can access the portal here. In addition to offering Americans the ability to set up direct deposit for their stimulus payment, the portal allows people the option to track the timeline of their payment and to see their payment status.

Here’s what you need to know:

IRS Direct Deposit Portal: All the Information You’ll Need to Provide to Get Your Stimulus Check Faster

Now that the IRS direct deposit portal is open, you’ll need some information on hand in order to set up a direct deposit. In particular, you’ll need your banking information so that the IRS knows where to direct deposit your stimulus payment.

In general, when setting up direct deposit, you usually need to provide the name of your bank, the routing and account numbers for your bank account, and a number of personal details, like your mailing address, email address, or phone number. You might have to verify your identity in some additional way, like providing your social security number.

You can find your routing and account numbers on your bank website, in your bank app, or on a paper check. The routing number on a paper check is the nine digits at far left, and the account number is longer and in the middle. The right-hand number is your check number, and you won’t need that to set up direct deposit in the IRS portal.

irs.govWhere to find your routing and account numbers.

Much of the information you provide to the IRS is private, like your social security number or bank account information. For that reason, Americans should only provide their information through the IRS direct deposit portal and not through any unregistered third-party sites.

If you don’t want to or can’t set up direct deposit with the IRS, you may want to change your mailing address to reflect where you currently live. You might have to wait much longer to receive your payment in the mail, but this will at least ensure that your stimulus check goes to the right address. 

The IRS also has a portal open for “non-filers,” people who don’t file taxes. The IRS says you can use this portal to get your stimulus payment if:

  • You did not file a 2018 or 2019 federal income tax return because your gross income was under $12,200 ($24,400 for married couples). This includes people who had no income.
  • You weren’t required to file a 2018 or 2019 federal income tax return for other reasons.

There are also non-filers who do NOT need to fill out additional information. People who receive Social Security retirement, disability (SSDI), or survivor benefits, and people who receive Railroad Retirement or survivor benefits do not need to fill out any additional information.

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