The stimulus bill passed by Congress is intended to help American families cope with the impact made by the COVID-19 pandemic. By late April, eligible taxpayers will receive an automatic distribution of “economic impact” (aka stimulus) payments of up to $1,200 per individual or $2,400 for married couples, along with $500 for each qualifying child.

We know you have questions about the stimulus payments, so we’ve compiled answers to the most frequently asked questions below.


Q. Who is eligible for the economic impact payment?

A. Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible. Social Security recipients and railroad retirees who are otherwise not required to file a tax return are also eligible and will not be required to file a return.

Eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples and up to $500 for each qualifying child.

Q. When will I get my check?

A. The IRS reportedly will start issuing electronic payments through direct deposit on April 9. Those payments are expected to arrive in taxpayers' bank accounts by April 30. This method of payment takes far less time than printing and mailing a paper check. The IRS will use bank account information from your 2018 or 2019 tax return (used for tax refund payments) or from the Social Security Administration to deposit stimulus payments into your account. They also plan to develop a web-based portal that you can use to provide your banking information to the IRS online. If a direct deposit is rejected (e.g., if the bank account information is incorrect), we will attempt to correct the information and post the deposit to your account, if possible. If we are unable to correct the deposit, the IRS will receive a rejection notice. At that point, the payment will be converted to a paper check and mailed to you.

If the IRS doesn't have your bank account information, they will mail you a paper check. However, the first batch of paper checks isn't expected to be mailed until late April. After that, the reported plan is to send out as many as 5 million checks each week, with lower-income people getting paid first. Higher-income taxpayers might not see a relief check until September under the IRS timetable.

Q. How will the IRS know where to send my payment?

A. The majority of people do not need to take any action. The IRS will calculate and automatically send the economic impact payment to those eligible.

For people who have already filed their 2019 tax returns, the IRS will use this information to calculate the payment amount. For those who have not yet filed their return for 2019, the IRS will use information from their 2018 tax filing to calculate the payment. The economic impact payment will be deposited directly into the same banking account reflected on the return filed.

Q. The IRS does not have my direct deposit information. What can I do?

A. If you do not file taxes, you can submit your direct deposit information on the IRS website if you:

  • Had a gross income that did not–exceed $12,200 ($24,400 for married couples) for 2019.
  • Were not otherwise required to file a federal income tax return for 2019, and did not plan to.

If you meet either condition, you may visit to enter your direct deposit information. For individuals who do file taxes, the IRS’s “Get My Payment” application is now available by visiting This site will allow you to check your payment status, confirm your payment preference and enter your direct deposit account information. 

Q. I am not typically required to file a tax return. Can I still receive my payment?

A. Yes. The IRS will use the information on the Form SSA-1099 or Form RRB-1099 to generate Economic Impact Payments to recipients of benefits reflected in the Form SSA-1099 or Form RRB-1099 who are not required to file a tax return and did not file a return for 2018 or 2019. This includes senior citizens, Social Security recipients and railroad retirees who are not otherwise required to file a tax return.

Since the IRS would not have information regarding any dependents for these people, each person would receive $1,200 per person, without the additional amount for any dependents at this time.

Q. I have a tax filing obligation but have not filed my tax return for 2018 or 2019. Can I still receive an economic impact payment?

A. Yes. The IRS urges anyone with a tax filing obligation who has not yet filed a tax return for 2018 or 2019 to file as soon as they can to receive an economic impact payment. Taxpayers should include direct deposit banking information on the return.

Q. I need to file a tax return. How long are the economic impact payments available?

A. For those concerned about visiting a tax professional or local community organization in person to get help with a tax return, these economic impact payments will be available throughout the rest of 2020.

Q. Where can I get more information?

A. The IRS will post all key information on as soon as it becomes available.
The IRS has a reduced staff in many of its offices but remains committed to helping eligible individuals receive their payments expeditiously. Check for updated information on rather than calling IRS assistors who are helping process 2019 returns.


Q. How do I find my bank account and routing numbers?

A. Fidelity’s routing number is 301171353. The easiest way to find your routing and account numbers is to look at the bottom of your checks. As shown below, the routing number is the string of nine digits on the bottom left. The account number is in the center.

Account numbers can also be accessed by viewing your e-statement or paper statement.

Q. What if the account from my 2018 or 2019 tax filing used by the IRS has since been closed or my name is no longer on that account?

A. If your payment has already been sent using old, invalid account information, our system will reject the deposit. All rejected deposits will be reviewed to see if they can be deposited into another open Oklahoma Fidelity Bank account in good standing. If we are unable to post the deposit, the IRS will receive a rejection notice, and they will mail you a paper check.