The IRS has announced a one-time direct deposit relief payment for eligible taxpayers in January 2026. This guide explains who qualifies, how the $1,390 amount works, when you can expect the payment, and practical steps to confirm and receive it.
What the IRS announced about the $1,390 direct deposit relief
The agency confirmed a targeted payment of $1,390 will go by direct deposit to certain taxpayers in January 2026. The program is designed to provide short-term financial relief to households meeting specific criteria tied to prior tax filings and income rules.
This announcement covers eligibility rules, estimated disbursement windows, and instructions for people who must update banking or contact the IRS for corrections.
Who is eligible for the January 2026 direct deposit relief
Eligibility is limited and based on recent tax return data and other electronic records the IRS holds. Generally, eligible groups include:
- Individuals who filed a 2024 or 2025 tax return and claimed certain credits.
- Households with adjusted gross income under a specified limit for their filing status.
- Taxpayers with valid direct deposit information on file with the IRS from recent returns.
Not everyone who filed taxes will qualify. People who owe back taxes, who have changed direct deposit details since their last filing, or who did not provide banking information are often excluded.
Common disqualifying situations
- No direct deposit information on file.
- Filing status or income exceeds IRS thresholds for the relief program.
- Outstanding identity verification requirements with the IRS.
How the $1,390 amount is calculated
The $1,390 figure is a flat one-time payment set by the program rules. It is not prorated by income beyond eligibility thresholds and is not tied directly to a taxpayer’s refund amount.
The IRS has said the flat amount was chosen to simplify distribution and speed processing. Eligible recipients receive the full payment regardless of their refund status.
When payments are expected in January 2026
The IRS plans to disburse the payments in multiple waves during January 2026. Early wave recipients are those with direct deposit records that match current IRS files and no outstanding verification issues.
Typical timeline:
- Week 1–2: Initial direct deposits to fully matched records.
- Week 3: Additional deposits after batch processing and corrections.
- Week 4: Final disbursements and outreach to those with minor issues.
If the IRS cannot send a direct deposit, they may issue a check or request updated bank information through official channels.
How to check eligibility and prepare to receive the payment
Follow these steps to confirm your status and prepare for the payment:
- Use the IRS “Get My Payment” or equivalent portal if available for this relief program.
- Confirm your direct deposit bank account details on file from your most recent tax return.
- Address any outstanding IRS notices, identity verification, or balance due issues.
- Keep contact information current with the IRS to receive updates.
Do not respond to unsolicited phone calls, emails, or texts claiming to be the IRS. The IRS will not ask for account numbers via email or text.
What to do if your payment is missing
If you expected the $1,390 payment and did not receive it by the end of January, check the IRS online tool first. If the tool shows no payment, contact the IRS or your tax professional for next steps.
Be prepared to provide recent tax return information and proof of identity when contacting the IRS.
Direct deposit payments clear faster than mailed checks and are less likely to be intercepted. Updating your bank info on your tax return is the simplest way to ensure timely receipt of IRS payments.
Small real-world example
Maria filed her 2025 tax return and included direct deposit details for her refund. Her AGI met the program’s limit, and she had no outstanding IRS issues.
The IRS processed her payment in the second wave of January disbursements. Her bank received a $1,390 deposit on January 15, 2026. She used the funds to cover rent and utility bills for the month.
Practical tips and examples for smooth receipt of the payment
To reduce delays, follow these practical tips:
- File accurate tax returns on time with up-to-date bank routing and account numbers.
- Respond promptly to IRS letters or notices asking for identity verification.
- Check your bank statements for small pending deposits that confirm routing accuracy.
Example: If your routing number has changed since your last return, update it this filing season so future IRS direct deposits go to the correct account.
Final steps and what to expect after January 2026
After the January payments, the IRS will provide summaries and possibly additional guidance for late claimants. Keep records of any IRS communications and your bank transaction showing the $1,390 deposit.
If you did not receive a payment but believe you were eligible, save documentation and follow the IRS instructions for filing a claim or contacting customer service.
These payments are intended to be automatic for those who meet the rules, but proactive verification and up-to-date filing information help ensure timely receipt. Monitor official IRS channels for any updates or changes to the schedule.
