5 reasons why you haven’t received your stimulus check

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The nationwide lockdown has disturbed the U.S. economy significantly. More than 30 million Americans have filed for unemployment, and more are to follow. Discerning the financial impact of this unforeseen situation on the Americans – Congress, in its effort to support them, announced a $2 trillion stimulus package known as the Coronavirus Aid, Relief, and Economy Security (CARES) Act.

While most of you have received your stimulus checks, there will be some of you who haven’t. Let’s take a look at the five reasons why you might not receive a stimulus check.

Your adjusted gross income is too high.

Here is what the stimulus payment offers to qualifying Americans:

  • Individual Taxpayers: $1200
  • Married Couple who file jointly: $2400
  • Families with a qualifying child below the age of 17 years: $500 per child

The same payment only applies only to a specific range of income, though. You would receive the stimulus payment in full only if:

  • You are single, and your adjusted gross income is up to $75,000
  • You are married and file jointly, and your adjusted gross income is up to $1,50,000
  • You are head of household, and your adjusted gross income is up to $1,12,500

Another point to remember is that the figures for your 2018 or 2019 returns will decide your eligibility to receive the stimulus check.

For those of you with higher gross adjusted incomes will come in the phase-out category where the amount of the stimulus check starts to decrease in tandem with your income range. You will be paid $5 less per every $100 you make over the limits. 

The adjusted gross income which is too much to qualify for the stimulus checks are as follows:

  • $99,000 for single filers
  • $198,000 for married couples filing jointly, and
  • $136,500 for heads of households

You are unemployed now, but your 2018 or 2019 return makes you ineligible.

There are also some cases where some of you are unemployed now, but you made a higher amount in your 2018 and 2019 returns, which makes you ineligible. The good news is that the stimulus payment has a provision where you will receive the check but not immediately. 

If you are currently earning considerably low and could not make the same revenues from your work in the gig economy, you can showcase this in your 2020 tax returns and get the amount in 2021. This is not beneficial to those who are in urgent need of cash. In this situation, you probably should reach out to a bank for financial support. 

Additionally, the government is extending support as far as the payment of student loans is concerned, which are deferred until the end of September. 

You missed the deadline to update your bank details.

The stimulus checks are getting deposited directly to the taxpayer’s bank account listed in 2019 returns, and if they have not filed 2019 returns, then from the 2018 returns. You probably haven’t received the check yet because you did not mention your bank account details in your returns and failed to update it later on. 

In this case, the IRS will send you a physical check but know that it can take up to months for that to get delivered to you. The IRS created a new portal by the name of ‘Get My Payment’ wherein taxpayers could update their bank details to receive the stimulus check promptly. If you haven’t updated or added your features till May 13, 2020, then most probably, you are in the list where you get the physical check on the last-mentioned address of your tax return. 

By law, the IRS will send you a notice of payment by mail to the last known address. The advice would have a phone number wherein you can update if you have received the stimulus check payment or not. 

You are a college student.

One major highlight of the stimulus checks is that dependent college students will not directly receive the check. This will render many college students without one, but then the same can be claimed by their parents if they are below 17 years. 

 Here is what but this applies as long as they don’t file a joint return for the year:

  • A child under the age of 19 at the end of the year.
  • Lives with you for more than half of the year.
  • Has not provided more than half of his or her support for the year.

A child up till the age of 24 can also be your dependent if you provide more than half of their yearly support and are not married. 

You owe money.

Owing money can be another reason why you haven’t received your stimulus check yet. What happens is that the government comes after debtors to offset the money owed. Stimulus checks can be automatically used for paying such debts, including child support, bank debts, and private debt collections. Some states are making provision to disallow private debt collectors from taking the stimulus check money to recover their dues. 


The stimulus checks have come across as a great help to Americans in these trying times. But the checks and all the other measures of financial support are to help keep you afloat. It will be best if you seize this support and simultaneously start looking for a new job or method to make money. The stimulus checks have been received by most of the taxpayers. If you haven’t, then any of the points mentioned above could be the reason why. You must keep tabs on the latest information to make all the support extended by the government. To know more, feel free to contact MyTaxFiler at C19Grants@mytaxfiler.com. 

Published on 5/27/2020

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