If you never got your $1,400 stimulus check, you’re not out of luck yet. The IRS gave you until June 15, 2025 to claim it through a 2021 tax return. Whether your payment was lost, stolen, or never processed, this guide breaks down exactly how to track, claim, or trace your third stimulus payment before time runs out.
Overview
Let’s start with the basics. The third stimulus check—$1,400 per person—was part of the American Rescue Plan Act of 2021. Here’s a quick snapshot of the key details:
| Details | Information |
|---|---|
| Payment Amount | $1,400 per individual + $1,400 per dependent |
| Eligibility | Individuals ≤ $75K, Couples ≤ $150K |
| Delivery Methods | Direct deposit, check, debit card |
| Claim Deadline | June 15, 2025 |
| IRS Contact | 800-919-9835 |
| Payment Trace Form | Form 3911 |
Tracking
Wondering where your money went? Here’s how to start tracking it.
IRS Online Account
The IRS “Get My Payment” tool has been shut down since 2023, but don’t worry—you can still check your IRS Online Account.
- Visit IRS.gov and create or log into your account.
- Look under “Economic Impact Payment Information.”
- You’ll see your payment status and history.
Check Your Mailbox or Bank
The payment could’ve arrived in one of three ways: direct deposit, mailed check, or prepaid debit card (called EIP Card).
Look for this label in your bank statement: “IRS TREAS 310 TAXEIP3”.
Tax Transcript
If you’re still unsure, request a Tax Transcript online. It’ll show whether the payment was ever issued.
Eligibility
Not everyone got the full $1,400. Your income and tax filing status mattered.
| Filing Status | Full Payment If Income ≤ | Phased Out At |
|---|---|---|
| Single | $75,000 | $80,000 |
| Married Filing Jointly | $150,000 | $160,000 |
| Head of Household | $112,500 | $120,000 |
Each eligible dependent, regardless of age, also earned you an extra $1,400.
Missing
If you didn’t receive your payment or got less than you should have, there’s still a way to fix it.
Claim the Recovery Rebate Credit
This is your golden ticket.
- File a 2021 tax return (Form 1040 or 1040-SR).
- Enter your missing payment on Line 30.
- The IRS will refund you or apply it to any taxes owed.
Even if you’re a non-filer, you’ll need to submit a 2021 return. Deadline: June 15, 2025.
Tracing
Already filed and the IRS says your payment was sent? Still no check? Then it’s time to trace it.
- Call the IRS: 800-919-9835
- Fill out and send Form 3911 (Taxpayer Statement Regarding Refund).
- If the IRS confirms it was cashed fraudulently, they’ll send a claim package.
Issues
Here are a few common roadblocks—and how to solve them.
Wrong Bank Info
If the IRS sent your payment to a closed or incorrect account, the funds should have bounced back. You can still claim it via the Recovery Rebate Credit.
Lost or Stolen Check
File Form 3911 and report the check as lost. The IRS will investigate and, if needed, reissue the funds.
You Didn’t File Taxes
Non-filers had a temporary portal, but it’s closed now. You’ll need to file a 2021 return to claim any missing payments.
Time is ticking. If you think you’re owed money, don’t wait. Filing your 2021 return and taking the right steps could put $1,400 (or more) back in your pocket.
FAQs
What if I never received my $1,400 check?
File a 2021 tax return and claim the Recovery Rebate Credit.
Where can I see if my stimulus was sent?
Log into your IRS Online Account and check payment history.
How do I trace a missing stimulus payment?
Call the IRS or file Form 3911 to initiate a payment trace.
Can I still get my payment after 2025?
No. The deadline to claim is June 15, 2025.
Do dependents qualify for extra money?
Yes, each dependent adds $1,400 to your payment.
