If you’ve been waiting for your stimulus check and it still hasn’t arrived, you’re not alone. In 2025, delays in payment distribution are affecting millions of Americans due to IRS processing backlogs, outdated banking info, and incomplete tax filings. Fortunately, there are specific steps you can take to speed things up and get your money sooner. Whether you’re due a federal stimulus, tax credit, or refund, a few simple actions can make all the difference.
Why Are Stimulus Payments Being Delayed?
Delays are being caused by a combination of IRS staffing shortages, a backlog of paper returns, and errors in direct deposit or mailing details. Many recipients are also experiencing delays because their 2024 tax returns haven’t been processed yet. Additionally, if the IRS flagged your return for review, that can push back your stimulus delivery by weeks.
How to Check Your Payment Status
You can check the status of your stimulus using the IRS “Get My Payment” tool or your IRS online account. These platforms provide the latest update on whether your payment has been approved, sent, or returned. If the system shows “Payment Status Not Available,” it usually means your return hasn’t been processed or you weren’t eligible at the time.
Steps to Speed Up Your Payment
To receive your stimulus faster, make sure your direct deposit information is current and your tax return has been accurately filed. If you haven’t filed for 2024 yet, do so immediately, as this can trigger your stimulus release. Consider opting for electronic filing and direct deposit, which significantly reduces wait times compared to mailed checks. Also, avoid mistakes that could flag your return for manual review.
Who Is Most Affected by Delays?
Those most impacted by delays include individuals who filed paper tax returns, claimed new dependents, or recently changed bank accounts. People with tax identity theft flags or who used refund advance loans may also experience slower processing. Low-income and senior citizens who don’t regularly file taxes are especially vulnerable to being overlooked.
Table – Common Causes of Stimulus Delay and Fixes
| Cause of Delay | How to Fix It |
|---|---|
| Paper return still processing | File electronically next time |
| Wrong or closed bank account | Update IRS with new direct deposit info |
| Return flagged for identity check | Respond to any IRS notices immediately |
| Unfiled 2024 tax return | File now to trigger stimulus release |
| Address change not updated | Use USPS and IRS portals to update address |
If your stimulus payment hasn’t arrived, don’t panic — but don’t wait either. Take control by filing your taxes, checking your payment status, and ensuring your personal info is up to date. Small actions can speed up processing by weeks, helping you access your money faster. In uncertain times, a delay doesn’t mean denial — but it does mean you need to be proactive.
FAQ’s:
1. Can I call the IRS to speed up my payment?
While calling is an option, it’s often faster to use the IRS online tools unless your issue is urgent or complex.
2. Is my stimulus payment taxable income?
No, stimulus payments are not taxable and won’t reduce your refund or benefits.
3. What if my bank account was closed?
The IRS will mail a paper check to your last known address if your deposit fails.
4. I haven’t filed taxes in years. Can I still get the payment?
Yes, but you must file a current tax return to trigger your eligibility and update your information.
5. Will amended returns delay stimulus too?
Yes, amended returns take longer to process and may delay payments tied to eligibility changes.
