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Congress has passed President Biden’s $1.9 trillion American Rescue Plan, which means $1,400 checks are coming to millions of Americans.

When will your third stimulus check come? How will you get them? We’ve got the answers.

Here’s what you need to know:


Payments have started going out; check your status.

The American Rescue Plan passed March 12, and payments started going out just days later. To find out where your payment is, visit the IRS Get My Payment page.

Enter your Social Security number, birthdate, address and zip code to get the status of your payment.

If you get a “Payment Status – Not Available” message, don’t worry; that just means they haven’t processed your payment yet. Check back in a few days.

Tip: Make sure your address is up to date with the U.S. Postal Service and IRS.


Some banks aren’t yet processing the deposits.

CitiBank sign on the front of a building

For some people, even though they’ve received their stimulus payments, their banks are showing the funds as “pending.”

That’s because the IRS won’t officially release the funds until March 17. So, depending on your bank’s policies, the funds may be available right away, or not until a day or two after March 17.

Here are some banks’ processing dates:

  • Now available: Capital One, Cash App, Chime, other online-only banks
  • March 17: Bank of America, Chase, Citibank, KeyBank, Navy Federal, US Bank, Wells Fargo


There are three different ways you could receive the stimulus payment.

The stimulus payments go out in the following order:

  • Direct-deposit, automatically added to bank accounts: Starting as early as March 15
  • Paper checks, mailed: Starting as early as March 22
  • Economic Impact Payment prepaid debit cards, mailed: Starting as early as March 29

The way you received the $600 January stimulus payment is most likely the way you’ll get paid this time around. The only thing that can change it is if you’ve filed your 2020 taxes and have either added or removed direct deposit as an option.



Adults making up to $75,000/year will get $1,400 each.

Will households get additional funds for kids again? How much, if anything, will high-income earners receive?

Individuals who make up to $75,000/year, married couples who make up to $150,000/year, or heads of households who make up to $112,500 would be eligible for the full $1,400 check. (For married couples, the payment amount is $2,800, plus $1,400 for every dependent.)

After the first, second, and third checks, most Americans would have received $3,200 in assistance since April 2020.


Individuals who make $80,000+ won’t get a payment.

The amount of the check will be reduced for people making more than the threshold amounts. A single person who makes over $75,000/year would see their $1,400 check reduced by $1 for every extra $5 they make, with people making $80,000 or more receiving no stimulus payment at all.

Similarly, heads of households making $120,000+ or married couples making $160,000+ wouldn’t get a check at all.


Parents get additional funds with the expanded Child Tax Credit.

Two boys looking at a tablet.

Depending on your income and the age of your children, you could be getting an additional $3,000-$3,600 per child. Normally, this would be like a coupon that takes away the amount you’d owe the government. This year, half of the credit will be paid in monthly installments and the other half will be applied to your 2021 tax filing.


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When Will Your $1,400 Third Stimulus Check Come?