The IRS has released details about a direct deposit relief payment of $1,390 scheduled for January 2025. This article explains eligibility, timing, and practical steps to receive and track your payment.
IRS Announces $1390 Direct Deposit Relief Payment For January 2025: Overview
The IRS describes this relief payment as a targeted disbursement intended to support eligible taxpayers. Payments will primarily be issued by direct deposit to bank accounts the IRS has on file.
Not everyone will get the $1,390 payment. The IRS will use recent tax returns and benefit records to determine eligibility and deposit routing.
Who Qualifies for the $1390 Direct Deposit Relief Payment
Eligibility depends on a mix of income, filing status, and benefit receipt. The IRS will publish exact eligibility rules, but common qualifiers include low- to moderate-income filers and certain benefit recipients.
Typical criteria to watch for:
- Adjusted gross income below a stated threshold.
- Filed a 2023 or 2024 federal tax return or are on IRS benefit rolls.
- Have direct deposit information on file with the IRS or Social Security Administration.
$1390 Direct Deposit Relief Payment For January 2025: Timing
The IRS plans to begin direct deposits in January 2025. Exact dates can vary by taxpayer and bank processing times, so individual arrival dates may stretch over several days or weeks.
Expect the IRS to release batch schedules. If your financial institution posts the deposit early, it may appear on your account the same day or within 1–3 business days after the IRS sends it.
How the Payment Will Be Sent
Direct deposit is the primary delivery method. If the IRS does not have bank details, they may issue a check by mail or a prepaid debit card, depending on the program rules.
To receive direct deposit, ensure the IRS has your current bank account and routing numbers from a recent tax return, IRS account, or benefit agency record.
Steps to Confirm or Update Direct Deposit Information
Follow these steps if you want to confirm or update where the IRS should send a payment.
- Check your most recent tax return for the bank routing and account numbers you used to receive your refund.
- Log into your IRS online account to confirm bank details if available.
- If you receive Social Security or other federal benefits, check your benefit agency portal for direct deposit settings.
- If your bank account closed or changed, update the IRS using the appropriate form or by filing a current tax return with the correct direct deposit information.
What to Do If You Don’t Receive the $1390 Direct Deposit Relief Payment
If you believe you qualify but do not receive the payment, take these steps. Start by checking your IRS account and any mail from the IRS for notices.
- Verify eligibility through IRS announcements and your recent tax filings.
- Track payments using the IRS online tool when it becomes available for this relief payment.
- Contact your bank to confirm no deposits were blocked or returned.
- Keep documentation of your income and benefits in case you need to provide proof to the IRS.
Tax and Reporting Considerations
The IRS typically states whether a relief payment is taxable. For this payment, check official IRS guidance to confirm tax treatment and whether it affects credits or benefits.
If the payment is non-taxable, you will not include it as income on your federal return. If it is taxable, the IRS will provide instructions about reporting and any withholding implications.
The IRS often uses data from the most recent tax return on file to make direct deposit payments. If you moved or changed banks after your last filing, the IRS might not have your new account information.
Real-World Example: How One Family Received the Payment
Case study: The Johnson family filed a 2023 tax return and provided direct deposit information for their refund. When the IRS issued the $1,390 relief payment in January 2025, the deposit posted to their checking account within two banking days.
The Johnsons checked the IRS online portal for confirmation and received an email alert from their bank. When a neighbor in the same situation had closed their old account, they instead received a mailed check because no active account was on file.
Practical Tips Before January 2025
To improve the chance you receive the payment without delay, follow these practical steps.
- File any missing tax returns promptly so the IRS has current information.
- Verify direct deposit details on your last tax return and in the IRS online account.
- Monitor official IRS announcements and local news for batch deposit schedules.
- Keep contact information current with Social Security or benefits agencies if you receive benefits.
Common Questions and Next Steps
Many taxpayers ask how this payment differs from previous stimulus or relief payments. Key differences are eligibility rules and the amount set at $1,390.
Next steps for taxpayers: confirm eligibility, check and update deposit information, monitor IRS tools, and keep documentation handy in case of follow-up.
If you still have questions after IRS guidance is published, use official IRS channels, your tax preparer, or a certified tax professional. Avoid scams and never provide sensitive bank details in response to unsolicited calls or emails claiming to be the IRS.
Following these steps will help you prepare to receive the $1,390 direct deposit relief payment in January 2025 and reduce the chance of delays.
