The IRS is getting ready to send out $1,400 stimulus checks to nearly one million Americans who missed the original payment from 2021. This is part of the Recovery Rebate Credit, a financial boost for those who didn’t get their full third stimulus check during the pandemic.
If you think you might qualify or just want to know what’s happening, this article will explain everything you need in simple and clear language—from who’s eligible, to how the payment will arrive, and what steps you need to take.
What Is the $1,400 Recovery Rebate Credit?
The $1,400 checks are not new payments but rather catch-up payments for those who didn’t receive the full third stimulus amount back in 2021.
Many people missed out because:
- They made filing errors
- They didn’t claim the Recovery Rebate Credit
- Or they were new filers or had life changes (like income drop or a new baby)
The IRS is now correcting those issues by automatically sending payments to those who qualify.
Eligibility for the $1,400 Check: Who Can Get It?
You may be eligible if:
1. You Filed a 2021 Tax Return
You must have filed a 2021 return. If you didn’t claim the Recovery Rebate Credit (or claimed $0 by mistake), you could now qualify for the full $1,400.
2. Your Income Fits Within These Limits:
| Filing Status | Full Payment If Income ≤ | No Payment If Income ≥ |
|---|---|---|
| Single | $75,000 | $80,000 |
| Married Joint | $150,000 | $160,000 |
| Head of House | $112,500 | $120,000 |
If your income falls between these ranges, you may still get a partial payment.
3. You Meet These Conditions:
- You have a valid Social Security Number
- You are not claimed as a dependent on someone else’s tax return
- You are a U.S. citizen or resident alien (non-resident aliens are not eligible)
How to Check If You’ll Get the $1,400 Payment
1. Review Your 2021 Tax Return
Look for the Recovery Rebate Credit section. If it was left blank or marked $0, and you were eligible, you might now be receiving a payment.
2. Watch for IRS Letters
The IRS is sending notices by mail to those who qualify. Make sure your mailing address is up to date.
3. Use the IRS Online Tool
Visit irs.gov and use the Recovery Rebate Credit eligibility tool to check your status.
How Will You Get the $1,400 Check?
1. Direct Deposit
If you gave your bank account info on your last tax return, the IRS will deposit the money directly into your account. This is the fastest and safest method.
2. Paper Check
If you didn’t give bank details, the IRS will mail a paper check to the address from your most recent return.
3. Keep Your Info Updated
If your bank or address has changed, update it immediately using:
- Form 8822 for address changes
- IRS online account or helpline for bank updates
When Will the $1,400 Payments Arrive?
Here’s a simple payment timeline:
| Month | What Happens? |
|---|---|
| Dec 2024 | IRS begins sending payments |
| Jan 2025 | Most eligible people receive their money |
| Apr 15, 2025 | Last date to file your 2021 return and claim the credit |
So, if you haven’t filed your 2021 tax return yet, you still have time, but act fast before the April 15, 2025 deadline.