Direct Deposit or Prepaid Debit Cards
The fastest way to get advanced payments in a safe and secure manner is through direct deposit to either a bank account or a reloadable prepaid debit card.
If the IRS has received your banking information, your payment will be sent to you as a direct deposit. The government will use bank account information from the following sources, in the following order:
- Your 2020 tax return.
- Your 2019 tax return, including information you entered into the Non-Filer tool on IRS.gov in 2020.
- A federal agency that provides you benefits, such as: Social Security Administration, Department of Veterans Affairs, or the Railroad Retirement Board.
If the government does not have bank account information to issue you a direct deposit, they will send your advance Child Tax Credit payments by mail.
As a last resort, we understand that the government will need to send paper checks to consumers across the country. There may be fixed capacity limitations for mailing checks, so some recipients will be waiting weeks for theirs to be mailed. We strongly encourage our clients to deposit their checks using our secure mobile app, Face2Face machines, or ATMs. To speed delivery of your payment, clients without a personal checking account can also consider opening an account online here.