A major financial update is bringing relief to millions of Americans — the $1,400 Fourth Stimulus Check is officially being issued in 2025, and you could be on the deposit list.
Designed to assist those who may have missed earlier Economic Impact Payments, this payout is part of a broader effort to reduce the financial strain still lingering from the pandemic.
This article breaks down who qualifies, when the money is coming, and how to claim your share if you haven’t received it yet.
What Is the $1,400 Fourth Stimulus Check?
The $1,400 stimulus check is a Recovery Rebate Credit targeted at individuals who did not receive their full stimulus payments during the COVID-19 economic relief distributions. In 2025, eligible recipients can claim this as a one-time payment, provided certain criteria are met.
Who Is Eligible?
To receive the $1,400 check, individuals must meet specific requirements. Here’s a breakdown:
- You didn’t file a 2021 tax return but were eligible for prior stimulus checks.
- Your income falls within qualifying limits based on your 2021 income.
- You are not claimed as a dependent on someone else’s tax return.
- You meet all citizenship or resident alien requirements.
Income Thresholds for Full and Partial Payments:
| Filing Status | Full Payment AGI | Phase-Out Ends | Max Payment |
|---|---|---|---|
| Single | Up to $75,000 | $80,000 | $1,400 |
| Head of Household | Up to $112,500 | $120,000 | $1,400 |
| Married Filing Jointly | Up to $150,000 | $160,000 | $2,800 (combined) |
| Dependents (each) | — | — | +$1,400 each |
Note: If your income exceeds the full payment threshold but falls within the phase-out range, you’ll receive a reduced amount.
When Will You Get Paid?
The IRS began processing these checks at the end of 2024, and millions of payments are scheduled for direct deposit through early 2025. If you’re on the list, here’s the general deposit timeline:
| SSN Ending In | Expected Direct Deposit Window |
|---|---|
| 00–33 | March 25 – April 1, 2025 |
| 34–66 | April 2 – April 9, 2025 |
| 67–99 | April 10 – April 16, 2025 |
Those without direct deposit information on file will receive paper checks, typically 7–10 days later.
How to Claim If You Haven’t Received It
Even if you’re eligible, you must file a 2021 tax return to claim the Recovery Rebate Credit and receive your stimulus. Here’s what to do:
- File your 2021 tax return as soon as possible — the deadline is April 15, 2025.
- Ensure your bank account details are current with the IRS.
- Track your payment status through the IRS tools or updates.
- Watch your mail if you’re expecting a paper check.
The $1,400 Fourth Stimulus Check in 2025 could be the financial boost you’ve been waiting for — but only if you take action in time. By filing your 2021 tax return and verifying your eligibility, you can ensure you don’t miss out on this one-time opportunity.
Check if you’re on the deposit list, update your banking details, and act before the April 15, 2025 deadline to claim what’s yours. This surprise stimulus payment is real, and it could land in your bank account sooner than you think.
FAQs
What if I already received all three previous stimulus checks?
If you received the full amount from earlier stimulus rounds, you are not eligible for this one. This payment is specifically for those who missed out or didn’t file previously.
Can I claim the payment if I have zero income?
Yes, individuals with no income can still qualify. However, you must file a 2021 tax return to receive the check.
How will I know if I’m on the deposit list?
You’ll be notified by mail if the IRS has your information. You can also check your refund or rebate status online once the system updates.