ASSISTING OUR CLIENTS Stimulus Payments frequently asked questions

Recently, as part of the American Rescue Plan Act, the U.S. Federal Government began delivering Economic Impact Payments to eligible Americans. For information about these payments, see our FAQs below and visit the IRS website for further information.

General questions
Receiving payment
Tracking payment status
Avoiding scams

General questions

What do I need to know about my stimulus payment?

  • The IRS will distribute payments using the information that the IRS has on file for each eligible individual or family.
  • For most of the recipients, payments will be deposited directly into the same bank account that they have most recently used to receive a tax refund or monthly Social Security payment. Others will receive paper checks or prepaid debit cards in the mail, at the address that the IRS has on file for that individual.
  • Banks, including Bank of America, cannot and do not provide personal account or address information to the IRS.
  • Direct deposits are posted for open accounts on the effective date set by the Treasury.

Am I eligible for the new round of stimulus, and when will my payment arrive?

Visit the IRS Get My Payment website for more information.

What should I do to return a stimulus payment?

Visit the IRS website for more information.

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Receiving payment

How do I know if I received a payment electronically?
Check your account without leaving home.

How can I deposit my paper check without visiting a Financial Center?

How can I access and use my funds quickly?
Use your debit card to pay and get cash.

  • Use your debit card to make purchases and withdraw cash from one of our ATMs.
  • We have thousands of ATMs — use our ATM locator to find one now.
  • You can check your balance, send money to friends and family with Zelle®4 and pay bills using our Mobile app.
  • If you visit the Financial Centers, please expect longer lines as we ensure physical distancing and other safety measures to protect our clients and associates.

I received a prepaid debit card for my stimulus payment. How can I access these funds?

Visit for more information on how to use the card, which is issued by MetaBank, N.A.

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Tracking payment status

Why isn’t my direct deposit showing up in my account?

  • All direct deposit payments are posted to open accounts on the effective date set by the Treasury.
  • Visit IRS Get My Payment to track the status of your payment.

I don’t recognize the account number the IRS sent my payment to? How do I get my payment?

Visit the IRS website for more information.

What happens if my direct deposit went to my closed account?

  • In the event that a payment is sent to a closed account, the IRS requires Bank of America reject and return the payment.
  • Visit the IRS website for more information.

I have questions about the amount of my payment. Who can help me?

  • Our Financial Center and contact center associates will not have information on stimulus payment eligibility, timing or distribution. These payments are decided and distributed solely by the IRS.
  • Visit the IRS website for more information.
  • You can check status of your payment, payment type (direct deposit or paper check) at IRS Get my Payment.

I still haven’t received my payment. Where is it?

  • The Internal Revenue Service (IRS) is responsible for the timing, amount and distribution of these payments.
  • Visit IRS Get My Payment to track the status of your payment.

I haven’t received my First or Second payment.  What should I do?

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Avoiding scams

What can I do to help protect against fraud?
Take these steps.

  • Visit IRS Get My Payment to track the status of your payment.
  • Set up security and account alerts.
  • Remember, if we need to reach out to you, we'll NEVER ask for personal or financial information or an access code through email, text, or unsolicited calls.
  • Visit our Security Center or the Federal Trade Commission's Coronavirus Scam Tips for tips on how to recognize potential scams and learn more about how to keep your accounts secure.

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Our Resource Site has the latest information and solutions to help you through this challenging time