How to Set up Direct Deposit for Your Stimulus Check From the IRS

Over 80 million Americans will receive their coronavirus stimulus checks via direct deposit by Wednesday, April 15, according to Treasury Secretary Steven Mnuchin.

But the estimated 20 percent of Americans who haven't set up direct deposit with the IRS may want to do so in order to receive their stimulus funds more quickly—it beats waiting around for a mailed check.

Those who set up an electronic funds transfer with the IRS when filing their taxes in 2018 or 2019 will have the funds automatically deposited into their accounts using whatever bank information they previously provided—no further action necessary. This also applies to those who already receive Social Security retirement, disability or survivor benefits or Railroad Retirement payments through direct deposit as well.

People who filed taxes in 2018 or 2019 but who didn't set up a direct deposit will have to wait until the government completes an app called "Get My Payment" where they can enter bank information and track their payment.

Although the app is supposed to work on phones, tablets and desktops, the webpage where the app will be available currently says "coming mid-April." The government has said it will be active starting April 17.

dollar bills
A US one hundred dollar bill with Benjamin Franklin is seen amongst other bills. Richard Levine/Corbis/Getty

Those who haven't filed taxes in the last two years or who haven't set up a direct deposit with the IRS in the past can do so using this web portal.

The web portal will send you to a website called—a safe and secure certified IRS partner site—which contains a page specifically intended for Economic Impact Payments.

The website requires you to set up an account with a screen name, a secure password and a verifiable email address. After creating your account, you will want to check your email to see if you've received an automated message from the website. The email will contain a link you must click in order to verify your email address—only accounts will verified email addresses are allowed to complete the signup process.

After creating an account, the website will ask you for the following personal information:

  • Full name, current mailing address and an email address
  • Date of birth and valid Social Security number
  • Bank account number, type and routing number
  • Identity Protection Personal Identification Number (IP PIN) you received from the IRS earlier this year, if you have one
  • Driver's license or state-issued ID, if you have one
  • For each qualifying child: name, Social Security number or Adoption Taxpayer Identification Number and their relationship to you or your spouse

The website will also ask for your Adjusted Gross Income from your 2018 tax return. If you didn't file a 2018 tax return, that's okay—the website instructs you to simply enter a zero for the amount.

The entire process takes only about 10 or 15 minutes and afterward, you'll receive an email confirming your completion. The email states that within 24 to 48 hours, you should receive an email showing whether your filing has been accepted or rejected by the IRS. Acceptance will be required in order to receive payment.