Stimulus question

Jumping on this thread with a related question, what's the easiest way to cash your stimulus check? I did receive mine but my bank is saying I need to open a joint account as the check is in my and my husband's name. Surely there must be an easier way? I'd normally wait until going home to the US but with the pandemic that won't be until the check is invalid so it must be done here.

Does your US bank have mobile deposit? Take a picture of front and back of the check, really easy.

Oh, they might! I didn't think of trying that way since I've never done it before. Thanks!!

Does your US bank have mobile deposit? Take a picture of front and back of the check, really easy.

This is something we have done a few times from the UK with US checks.  Remember that for a check to 2 people that you will both have to sign the back.

Stimulus 2 will be approved soon, we hope.

There never was a stimulus 2, right?  I'm still just waiting for one check?

There never was a stimulus 2, right?  I'm still just waiting for one check?

I hope you get it before too much longer!

I hope you get it before too much longer!

I imagine the country is a bit preoccupied right now.

As it is now nearly the end of 2020 (phew!), and I still haven't received an update on the Get My Payment tool at irs.gov, much less an actual stimulus payment, I've looked into it again.

Now the IRS website says do not phone them.  Not helpful.  But they do explain that if you didn't receive a payment, or didn't get the full amount you were eligible for (child or spouse portion left off, for example), there are instructions for how to get it in 2021.  Apparently, the cheques everybody (but me) received in 2020 were advances on a "recovery rebate credit" from our 2020 tax return.  So we unlucky Americans simply didn't get our advances automatically, and will have to file for them ourselves.  Don't fear, though!  The link discusses how you can get this credit on your 2020 tax return.

https://www.irs.gov/newsroom/recovery-rebate-credit

The lack of response to my last post makes me think I'm the only UKY member still waiting for their (first) stimulus cheque.  But in case I'm not, I'll tell you that I decided to investigate a little to find out what I can about the holdup.  It turns out that, while my free-filed tax return was accepted back in the spring, it hasn't been processed yet.  No process = no stimulus.  It is possible I'll get the second stimulus payment before I get the first one... assuming they use the same eligibility criteria and I'll get the second one.

The lack of response to my last post makes me think I'm the only UKY member still waiting for their (first) stimulus cheque.  But in case I'm not, I'll tell you that I decided to investigate a little to find out what I can about the holdup.  It turns out that, while my free-filed tax return was accepted back in the spring, it hasn't been processed yet.  No process = no stimulus.  It is possible I'll get the second stimulus payment before I get the first one... assuming they use the same eligibility criteria and I'll get the second one.

Great news! 

Best of luck on both stimulus payments.

I’m not eligible but my son will be. He has e-filed this last couple of years and received the first stimulus direct into his US bank so I expect he should be well set for the second payment when they start distributing it.

You aren’t alone. Never got mine.

But I’m ok with that as I’ll have a significant capital gain in 2020 that it wouldn’t hurt to offset a little!!


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You aren’t alone. Never got mine.

But I’m ok with that as I’ll have a significant capital gain in 2020 that it wouldn’t hurt to offset a little!!

I'm sorry for this, but yay!  I have company!  I'm glad I'm not relying on this money to make ends meet.

My parents never got theirs either. We all use the same accountant for filing, which makes me just a leeeeetle bit suspicious that maybe he never filed our taxes??

We’ve been with him my whole life.

But yes, it’s not money I ever expected, nor relied on, nor thought to be eligible for! So I’m a bit meh about it tbf. Probably TOO meh! Especially given impending maternity leave where I’ve missed the ‘6 months full pay’ by less than 3 weeks!!! So just get amp instead.

Although, I’m trying to view it as this little guy saved us thousands by NOT having to do ivf again!! So swings and roundabouts!!!


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My daughter (a twin) got her check in the mail today - 2018 & 2019 tax returns filed in July & Oct  of this year (no tax to pay and below all thresholds) - for both of them mailed at the same time. Still waiting on an update for the other payment.

Hold out, there's hope yet. The IRS reportedly has a backlog of 3 million+ pieces of mail.

Amazingly, a stimulus check (sic) dropped through the letterbox this morning (9th December) dated and mailed by the IRS on 1st October 2021 - must have come by pony express - but I'm as happy as Larry as I was just about to put a trace on it with the IRS!