IRS Announces $1390 Direct Deposit Relief Payment For January 2025
The IRS announced a direct deposit relief payment of $1390 scheduled for January 2025. This article explains who may qualify, how the payment will be delivered, and what to do to confirm receipt.
Who may qualify for the $1390 relief payment
Eligibility depends on recent IRS guidance and income thresholds set by the program or legislation providing the payment. Typical qualifiers include low- to moderate-income taxpayers and certain beneficiaries of tax credits.
Check official IRS notices or the IRS website for final eligibility rules. If you received prior IRS relief or stimulus payments, that history can influence eligibility.
How the IRS will send the $1390 direct deposit relief payment
The IRS intends to use electronic delivery methods first, primarily direct deposit to bank accounts the agency already has on file. Paper checks or prepaid debit cards may be used when direct deposit information is not available.
Common delivery methods include:
- Direct deposit to the bank routing and account number on file
- Paper check mailed to the address on file with the IRS
- Prepaid debit card in some situations
When payments will be issued in January 2025
The IRS plans to begin issuing payments in early January 2025 and continue through the month as batches are processed. Exact dates vary by eligibility group and processing timeline.
Expect a staggered schedule: some taxpayers will see deposits within the first week, while others may get mailed checks later in the month.
How to check payment status and confirm direct deposit
Use the IRS online tools to check for payment updates. The IRS usually updates its portals first with payment status and delivery method.
Steps to check status:
- Visit the IRS payment tool page on irs.gov and select the guidance for relief payments.
- Enter required identity information as prompted to view status.
- Check your bank account and recent statements for a $1390 deposit if the IRS shows direct deposit was used.
What if your bank details are not current
If the IRS does not have current direct deposit information, a mailed check or card may be used. To avoid delays in future payments, update your bank and address information with the IRS or through your most recent return filing.
If you expect a payment and your bank account has changed, contact the IRS and your financial institution promptly to verify options.
Tax and reporting considerations for the $1390 payment
Relief payments like this are often non-taxable, but that depends on the law that created the payment. The IRS will publish guidance on whether the $1390 is taxable or needs to be reported.
Keep records of any payment received and any IRS notices you get about the payment. These records make it easier to resolve questions during tax filing season.
What to do if you do not receive the payment
First, verify eligibility with official IRS guidance. If you are eligible and the IRS shows a payment was issued but you did not receive it, follow these steps:
- Confirm the date of issuance and delivery method on the IRS portal.
- Check with your bank for pending or returned deposits.
- If a check was mailed, allow adequate mail time and check the address on file.
- Contact the IRS if the payment is missing after confirmation and bank checks.
Past IRS relief payments were often delivered by direct deposit to accounts used for previous tax refunds. If you gave your bank account on a prior tax return, the agency may use it again unless you update your information.
Practical steps to prepare for the January 2025 payment
Take these actions to help ensure a smooth payment process and faster access to funds.
- Verify your mailing address and bank account information with the IRS records.
- Monitor the IRS website and official statements for specific timelines and eligibility changes.
- Keep an eye on your bank account around the expected payment dates.
- Save any IRS notices or letters related to the payment for your records.
Example: Simple steps if your payment is delayed
Follow this short checklist if a $1390 payment does not arrive:
- Check the IRS payment portal for issuance details.
- Confirm bank account and address on file.
- Contact your bank for returned or pending deposits.
- Call or message the IRS if the issue persists and you meet eligibility criteria.
Small real-world case study
Case study: Maria, a part-time worker, expected the $1390 payment in early January. She checked the IRS portal and saw the payment was scheduled as direct deposit to the account used for her 2023 refund.
Maria confirmed her bank account was active and watched her account over a five-day window. The deposit appeared on day three, and she received a confirmation letter from the IRS the following week. Because she kept her records, she resolved a minor bank posting delay within two days.
Final notes and where to find updates
Keep checking irs.gov for the most current information. The IRS will post official timelines, eligibility rules, and tools to check payment status.
For complex situations, consider contacting a tax professional or using IRS taxpayer assistance resources to confirm eligibility and next steps.
