April 11, 2021
Direct deposit and your stimulus check: How you can prepare now for another payment

Direct deposit and your stimulus check: How you can prepare now for another payment


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Get ready in case there’s another round of stimulus payments.


Sarah Tew/CNET

When and if a second stimulus check happens, the fastest way you’ll get it will likely be through direct deposit. We know from the first stimulus check that people who signed up with the IRS using a new tool created just for April’s stimulus check were more likely to receive their payment faster than people who got a paper check or EIP card in the mail.

The IRS also has a setup for people who don’t normally file taxes and need to make a claim online. For example, there are several groups of people who have until Nov. 21 to file a claim with the IRS for their first payment.

With President Donald Trump wrapping up his time in office and President-elect Joe Biden preparing for his term starting next year, a lot is in flux in Washington, including movement on a second round of stimulus checks as part of another economic rescue bill.

While a next round of payments is still just talk, you can get ready for a second stimulus check if Congress approves one and ensure that you get your future payment as quickly as possible by providing the IRS with your direct deposit information. Here’s what to do if you haven’t already set up direct deposit with the IRS. (And here’s who might not qualify for another check.) 


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How did the IRS get my banking information for the first check?

For the first round of payments, the IRS used direct deposit information from one of a few places:

  • Your most recently filed tax return if you received a refund by direct deposit in 2018 or 2019.
  • The bank information you provided through the Get My Payment online tool.
  • The bank information you provided through the Non-Filers: Enter Payment Info Here tool.

Will the IRS use the same information for a second round of checks?

For a second check, the IRS could again use banking information provided through a federal tax return. An IRS spokesperson told CNET that banking information captured through the Get My Payment and Non-Filers tools was specific to the first check, so reusing information entered through those IRS tools would depend on what guidelines Congress sets out in another economic rescue bill for direct deposit payments.

Read more: Sorry, not everyone will get a second stimulus payment. What we know so far

What will the IRS need to set up direct deposit?

When it’s time to provide the IRS with your banking information, you’ll want to have on hand your bank account type and routing and account numbers. You have several ways to find this banking information.

Banking website: Your bank’s website may show your routing and account numbers. Log in to the account you want to use, and look around for the numbers you need.

Banking app: If your bank has an app, it may show you your account and routing numbers. In the app, tap the account you want to use to see the account and routing numbers.

Printed check: At the bottom of your check you most likely will see three sets of numbers: The first set of nine numbers is your routing number. The second set of 8 to 12 numbers is your account number. The third set is the one you don’t need for direct deposit, as it’s the number of the individual check.

Check this IRS page for more help with locating your routing and account numbers.

Can you change or correct your banking information with the IRS?

While you could use the Get My Payment and Non-Filers tools to provide the IRS with your banking information, the IRS has said it does not allow people to change the direct deposit information for a stimulus payment it has on file. This is a safeguard against fraud. 

The IRS said if your banking information has changed or is incorrect or the bank account is closed, the bank will reject the deposit and the federal bureau will then mail the payment to the address it has on file. For help, you can call the IRS assistance phone number at (800) 829-1040. For specific questions on stimulus payments, call the IRS help line at (800) 919-9835.

If you’ve moved, you can provide the IRS with your new mailing address.

Will the IRS have a deadline to provide banking information?

For the first check, the IRS set a May 13 deadline to provide the agency with your banking information — this was about a month after the first direct deposits were made. If you missed the deadline, you got your check in the payment either in the mail or as a prepaid debit card. Expect a similar cutoff if Congress approves a second payment.

For more on stimulus checks, here’s where negotiations are for the next stimulus package, 10 facts and myths to know about the next payment and four possible dates for when the IRS could send the next check and who could get it first.



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  129. When I initially left a comment I appear to have clicked on the -Notify me when new comments are added- checkbox and from now on whenever a comment is added I get four emails with the same comment. Is there a way you are able to remove me from that service? Many thanks!

  130. Hi, I do think your web site could be having web browser compatibility problems. When I take a look at your web site in Safari, it looks fine however, if opening in IE, it has some overlapping issues. I just wanted to give you a quick heads up! Other than that, great site!

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  134. I would like to thank you for the efforts you’ve put in penning this website. I really hope to check out the same high-grade blog posts from you in the future as well. In fact, your creative writing abilities has encouraged me to get my very own blog now 😉

  135. The very next time I read a blog, I hope that it does not fail me as much as this particular one. After all, Yes, it was my choice to read through, however I genuinely believed you would have something useful to talk about. All I hear is a bunch of complaining about something that you could possibly fix if you were not too busy searching for attention.

  136. Next time I read a blog, I hope that it won’t disappoint me just as much as this particular one. I mean, Yes, it was my choice to read, nonetheless I actually believed you would have something interesting to talk about. All I hear is a bunch of complaining about something that you could fix if you weren’t too busy looking for attention.

  137. I must thank you for the efforts you have put in writing this site. I’m hoping to see the same high-grade blog posts by you in the future as well. In truth, your creative writing abilities has inspired me to get my very own website now 😉

  138. May I just say what a comfort to discover somebody who actually knows what they are discussing over the internet. You definitely know how to bring a problem to light and make it important. More and more people need to read this and understand this side of the story. I was surprised you aren’t more popular given that you surely have the gift.

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  142. An interesting discussion is worth comment. There’s no doubt that that you should write more on this subject, it might not be a taboo matter but generally folks don’t talk about these issues. To the next! Cheers!!

  143. Hi there! This article could not be written much better! Looking through this article reminds me of my previous roommate! He continually kept preaching about this. I am going to forward this article to him. Fairly certain he’s going to have a great read. Many thanks for sharing!

  144. May I simply say what a comfort to uncover someone that really knows what they’re discussing on the internet. You actually realize how to bring an issue to light and make it important. A lot more people must read this and understand this side of the story. I can’t believe you’re not more popular because you certainly possess the gift.

  145. Your style is unique compared to other folks I have read stuff from. Thank you for posting when you’ve got the opportunity, Guess I’ll just bookmark this web site.

  146. Good post. I learn something totally new and challenging on websites I stumbleupon everyday. It will always be exciting to read through content from other writers and practice something from their web sites.

  147. I’m impressed, I must say. Rarely do I come across a blog that’s both educative and engaging, and without a doubt, you have hit the nail on the head. The problem is something which not enough people are speaking intelligently about. I am very happy that I stumbled across this in my search for something regarding this.

  148. Next time I read a blog, Hopefully it doesn’t disappoint me just as much as this one. I mean, Yes, it was my choice to read through, however I truly believed you’d have something interesting to say. All I hear is a bunch of moaning about something you could fix if you weren’t too busy seeking attention.

  149. The next time I read a blog, Hopefully it doesn’t fail me as much as this one. After all, Yes, it was my choice to read through, nonetheless I genuinely believed you would have something helpful to talk about. All I hear is a bunch of whining about something that you could possibly fix if you were not too busy seeking attention.

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  155. Nice post. I learn something new and challenging on websites I stumbleupon everyday. It will always be interesting to read content from other writers and use a little something from their web sites.

  156. I’m impressed, I have to admit. Seldom do I encounter a blog that’s both educative and engaging, and without a doubt, you’ve hit the nail on the head. The problem is an issue that not enough men and women are speaking intelligently about. I’m very happy that I stumbled across this during my search for something regarding this.

  157. Your style is really unique in comparison to other folks I’ve read stuff from. Thanks for posting when you have the opportunity, Guess I will just book mark this web site.

  158. When I originally left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and now whenever a comment is added I receive 4 emails with the same comment. Is there a means you can remove me from that service? Thank you!

  159. I’m impressed, I have to admit. Seldom do I come across a blog that’s both educative and entertaining, and let me tell you, you have hit the nail on the head. The problem is something which too few people are speaking intelligently about. Now i’m very happy I came across this in my hunt for something concerning this.

  160. An intriguing discussion is definitely worth comment. I think that you should write more on this subject, it may not be a taboo matter but typically people do not discuss these topics. To the next! Best wishes!!

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  162. Hi, I do think this is an excellent website. I stumbledupon it 😉 I may come back once again since I saved as a favorite it. Money and freedom is the best way to change, may you be rich and continue to help other people.

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  168. Aw, this was a very nice post. Finding the time and actual effort to make a very good article?but what can I say?I put things off a whole lot and never manage to get nearly anything done.

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  172. After I initially commented I seem to have clicked the -Notify me when new comments are added- checkbox and from now on every time a comment is added I get 4 emails with the same comment. There has to be a means you can remove me from that service? Thank you!

  173. Aw, this was an incredibly nice post. Finding the time and actual effort to make a really good article?but what can I say?I procrastinate a lot and never manage to get nearly anything done.

  174. You’re so cool! I don’t suppose I have read a single thing like this before. So great to discover another person with a few genuine thoughts on this issue. Really.. many thanks for starting this up. This web site is something that is required on the internet, someone with a little originality!

  175. Nice post. I learn something totally new and challenging on blogs I stumbleupon every day. It’s always exciting to read through articles from other writers and use a little something from other web sites.

  176. Your style is really unique in comparison to other folks I have read stuff from. Many thanks for posting when you’ve got the opportunity, Guess I will just book mark this blog.

  177. I’m amazed, I must say. Rarely do I come across a blog that’s both equally educative and entertaining, and let me tell you, you have hit the nail on the head. The issue is something not enough people are speaking intelligently about. Now i’m very happy I came across this in my hunt for something regarding this.

  178. May I simply just say what a comfort to discover someone that truly knows what they are talking about online. You actually realize how to bring an issue to light and make it important. More people really need to check this out and understand this side of your story. I was surprised that you are not more popular given that you certainly possess the gift.

  179. I seriously love your website.. Excellent colors & theme. Did you build this website yourself? Please reply back as I’m looking to create my own blog and would like to find out where you got this from or just what the theme is called. Kudos!

  180. The very next time I read a blog, I hope that it doesn’t disappoint me as much as this particular one. After all, I know it was my choice to read through, nonetheless I genuinely believed you would probably have something helpful to say. All I hear is a bunch of complaining about something that you could possibly fix if you were not too busy seeking attention.

  181. I truly love your website.. Great colors & theme. Did you build this site yourself? Please reply back as I’m wanting to create my own blog and want to know where you got this from or what the theme is called. Thanks!

  182. Hi, I believe your blog may be having browser compatibility issues. Whenever I take a look at your web site in Safari, it looks fine however, if opening in Internet Explorer, it’s got some overlapping issues. I merely wanted to provide you with a quick heads up! Aside from that, fantastic website!

  183. I blog often and I truly thank you for your information. The article has truly peaked my interest. I’m going to book mark your site and keep checking for new details about once a week. I opted in for your RSS feed as well.

  184. Hi there! This blog post could not be written any better! Looking at this article reminds me of my previous roommate! He constantly kept talking about this. I’ll forward this post to him. Pretty sure he will have a very good read. Thank you for sharing!

  185. I have to thank you for the efforts you’ve put in penning this blog. I am hoping to view the same high-grade blog posts from you in the future as well. In truth, your creative writing abilities has motivated me to get my own website now 😉

  186. You’re so cool! I don’t think I have read a single thing like this before. So wonderful to find someone with genuine thoughts on this subject. Really.. thanks for starting this up. This website is something that’s needed on the web, someone with a little originality!

  187. I’m impressed, I have to admit. Rarely do I encounter a blog that’s both equally educative and engaging, and without a doubt, you have hit the nail on the head. The problem is something too few men and women are speaking intelligently about. I am very happy I came across this during my search for something concerning this.

  188. The very next time I read a blog, Hopefully it does not disappoint me just as much as this one. I mean, Yes, it was my choice to read, however I really believed you would probably have something helpful to say. All I hear is a bunch of moaning about something you could possibly fix if you were not too busy searching for attention.

  189. I blog frequently and I really appreciate your content. The article has truly peaked my interest. I am going to bookmark your site and keep checking for new details about once a week. I opted in for your Feed too.

  190. Nice post. I learn something new and challenging on blogs I stumbleupon on a daily basis. It’s always interesting to read articles from other writers and practice something from their web sites.

  191. Howdy, I do think your web site might be having browser compatibility issues. When I look at your site in Safari, it looks fine however, if opening in Internet Explorer, it has some overlapping issues. I merely wanted to give you a quick heads up! Apart from that, fantastic blog!

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  193. When I originally commented I appear to have clicked the -Notify me when new comments are added- checkbox and now every time a comment is added I get four emails with the exact same comment. Is there an easy method you are able to remove me from that service? Thank you!

  194. Howdy! This post could not be written much better! Going through this post reminds me of my previous roommate! He continually kept preaching about this. I am going to send this information to him. Fairly certain he’s going to have a great read. Thanks for sharing!

  195. I blog often and I genuinely appreciate your information. This article has really peaked my interest. I’m going to take a note of your website and keep checking for new information about once a week. I opted in for your RSS feed too.

  196. Hi, I do think this is an excellent web site. I stumbledupon it 😉 I may come back yet again since I book-marked it. Money and freedom is the best way to change, may you be rich and continue to help other people.

  197. Oh my goodness! Amazing article dude! Thank you, However I am having troubles with your RSS. I don’t know the reason why I cannot join it. Is there anybody having identical RSS issues? Anybody who knows the answer can you kindly respond? Thanx!!

  198. Your style is so unique compared to other people I’ve read stuff from. I appreciate you for posting when you’ve got the opportunity, Guess I’ll just bookmark this site.

  199. Hi there! This blog post could not be written much better! Reading through this post reminds me of my previous roommate! He constantly kept preaching about this. I am going to forward this information to him. Pretty sure he’s going to have a good read. Thanks for sharing!

  200. Hi, I do think this is an excellent site. I stumbledupon it 😉 I am going to return yet again since i have book marked it. Money and freedom is the best way to change, may you be rich and continue to help other people.

  201. This is the perfect web site for everyone who hopes to understand this topic. You realize a whole lot its almost tough to argue with you (not that I really will need to…HaHa). You definitely put a brand new spin on a topic which has been written about for a long time. Excellent stuff, just great!

  202. An impressive share! I’ve just forwarded this onto a friend who was doing a little research on this. And he in fact ordered me dinner because I stumbled upon it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanks for spending the time to talk about this subject here on your blog.

  203. Nice post. I learn something new and challenging on blogs I stumbleupon on a daily basis. It will always be useful to read content from other writers and use something from their web sites.

  204. An interesting discussion is worth comment. I believe that you ought to write more about this topic, it may not be a taboo matter but generally people don’t discuss these topics. To the next! Many thanks!!

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  209. Oh my goodness! Awesome article dude! Thank you so much, However I am having difficulties with your RSS. I don’t know why I can’t join it. Is there anybody having identical RSS issues? Anyone that knows the solution will you kindly respond? Thanx!!

  210. Your style is very unique compared to other people I have read stuff from. Thanks for posting when you’ve got the opportunity, Guess I’ll just book mark this blog.

  211. You’re so awesome! I don’t believe I’ve truly read through a single thing like that before. So good to find someone with some original thoughts on this issue. Seriously.. many thanks for starting this up. This website is something that is required on the internet, someone with a bit of originality!

  212. An intriguing discussion is worth comment. There’s no doubt that that you ought to write more about this issue, it may not be a taboo matter but typically people do not talk about such issues. To the next! All the best!!

  213. After I initially left a comment I seem to have clicked on the -Notify me when new comments are added- checkbox and now each time a comment is added I recieve four emails with the exact same comment. Is there a means you can remove me from that service? Thanks a lot!

  214. I’m impressed, I must say. Seldom do I encounter a blog that’s both educative and engaging, and let me tell you, you have hit the nail on the head. The problem is something not enough people are speaking intelligently about. I am very happy I came across this in my hunt for something concerning this.

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  216. Aw, this was an incredibly nice post. Spending some time and actual effort to produce a good article?but what can I say?I put things off a whole lot and never seem to get anything done.

  217. An outstanding share! I have just forwarded this onto a co-worker who had been doing a little research on this. And he in fact bought me lunch simply because I stumbled upon it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanx for spending time to talk about this matter here on your blog.

  218. An intriguing discussion is definitely worth comment. I believe that you should write more about this subject matter, it might not be a taboo subject but generally people do not speak about such issues. To the next! All the best!!

  219. Hello, I do believe your website could be having internet browser compatibility issues. Whenever I look at your website in Safari, it looks fine however when opening in IE, it’s got some overlapping issues. I merely wanted to provide you with a quick heads up! Other than that, excellent website!

  220. I’m impressed, I have to admit. Rarely do I come across a blog that’s both educative and engaging, and without a doubt, you have hit the nail on the head. The problem is something which too few people are speaking intelligently about. Now i’m very happy that I stumbled across this in my search for something regarding this.

  221. Aw, this was a very nice post. Finding the time and actual effort to make a really good article?but what can I say?I put things off a whole lot and don’t manage to get nearly anything done.

  222. Greetings, I think your blog may be having internet browser compatibility issues. Whenever I look at your blog in Safari, it looks fine however when opening in I.E., it has some overlapping issues. I merely wanted to give you a quick heads up! Aside from that, fantastic site!

  223. An impressive share! I have just forwarded this onto a friend who was conducting a little research on this. And he in fact bought me lunch because I found it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanks for spending the time to discuss this matter here on your blog.

  224. I blog quite often and I genuinely thank you for your information. Your article has really peaked my interest. I will bookmark your site and keep checking for new information about once a week. I opted in for your RSS feed too.

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  227. An outstanding share! I’ve just forwarded this onto a friend who had been conducting a little homework on this. And he actually bought me lunch due to the fact that I discovered it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanx for spending the time to talk about this issue here on your web page.

  228. I really love your website.. Very nice colors & theme. Did you create this site yourself? Please reply back as I’m wanting to create my own site and want to learn where you got this from or exactly what the theme is called. Thanks!

  229. I seriously love your site.. Pleasant colors & theme. Did you build this web site yourself? Please reply back as I’m planning to create my own blog and would like to find out where you got this from or what the theme is called. Thank you!

  230. An impressive share! I have just forwarded this onto a colleague who had been conducting a little research on this. And he in fact bought me dinner because I stumbled upon it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanks for spending time to discuss this matter here on your web site.

  231. When I initially left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and now whenever a comment is added I receive four emails with the exact same comment. Is there a means you can remove me from that service? Kudos!

  232. Howdy! This article couldn’t be written any better! Reading through this post reminds me of my previous roommate! He constantly kept talking about this. I’ll send this article to him. Fairly certain he’s going to have a very good read. Thanks for sharing!

  233. Hi, I do believe your site may be having browser compatibility issues. Whenever I look at your blog in Safari, it looks fine but when opening in I.E., it’s got some overlapping issues. I simply wanted to give you a quick heads up! Besides that, wonderful website!

  234. The next time I read a blog, I hope that it doesn’t disappoint me as much as this one. I mean, Yes, it was my choice to read, but I genuinely thought you’d have something useful to say. All I hear is a bunch of crying about something you can fix if you were not too busy searching for attention.

  235. Aw, this was a really good post. Finding the time and actual effort to generate a top notch article?but what can I say?I procrastinate a whole lot and don’t seem to get nearly anything done.

  236. The very next time I read a blog, Hopefully it doesn’t disappoint me as much as this particular one. I mean, Yes, it was my choice to read, however I genuinely thought you would have something interesting to talk about. All I hear is a bunch of complaining about something you could fix if you were not too busy seeking attention.

  237. I have to thank you for the efforts you’ve put in writing this website. I’m hoping to check out the same high-grade blog posts by you later on as well. In fact, your creative writing abilities has encouraged me to get my very own site now 😉

  238. When I originally commented I appear to have clicked the -Notify me when new comments are added- checkbox and from now on every time a comment is added I recieve four emails with the exact same comment. There has to be an easy method you can remove me from that service? Thanks!

  239. I was extremely pleased to discover this page. I wanted to thank you for your time for this fantastic read!! I definitely really liked every bit of it and I have you book-marked to check out new stuff in your web site.

  240. When I originally left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and now each time a comment is added I receive 4 emails with the exact same comment. Perhaps there is a means you can remove me from that service? Thanks a lot!