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Stimulus Check FAQ

What you need to know about your stimulus payment

Updated March 12, 2021


When will I receive the stimulus payment?

The third round of stimulus payments are expected to start distribution as early as March 12, 2021; however the IRS has not published any official dates at this time. Payments will be deposited as soon as we receive them.

How can I find out the status of my payment?

If you are eligible for a stimulus payment, you can visit and use the Get My Payment tool. This tool will show you if a payment has been issued and whether the payment was sent via direct deposit or mail. 

Everyone is receiving their stimulus payments, where is mine?

MIDFLORIDA does not receive notification of who will receive a stimulus payment, when or, how. Please visit and use the Get My Payment tool for a status update. 

How will I receive the payment? 

Starting as early as March 12, the IRS will begin sending the third-round of stimulus checks via direct deposit and mail.  If you do not receive a direct deposit, watch your mail for either a check or debit card.

The form of payment for your third stimulus payment may be different than the first or second. People who received a paper check previously may receive a debit card this time and vice versa.


Who gets a stimulus check? 

In general, you will receive a stimulus check if your adjusted gross income for 2019 – or 2020 if you have filed – was less than $75,000 and you filed as an individual or less than $150,000 and you filed jointly. If your adjusted gross income was greater than $80,000 and you filed as an individual, or greater than $160,000 and you filed jointly, your economic impact payment decreases to zero.

Individuals who receive Social Security retirement, disability, or survivor benefits; Railroad Retirement benefits; Supplemental Security Income (SSI); or Veteran pension, disability or survivor benefits will receive a payment automatically. 

Who doesn’t get a check? 

Generally, you will not receive an economic impact payment if your income exceeds the limits outlined in the legislation, you are a nonresident alien or a dependent 17 years of age or older. 


How does the IRS know where to deposit the payment? 

If you received a direct deposit refund from your 2018 or 2019 taxes, the check will go to the latest account you have on file with the IRS. If you filed those years but didn't receive a refund via direct deposit, your stimulus check will be mailed to the most current address the IRS has for you. If you filed Form 8888 - Allocation of Refund, the check will go to the first account you listed.

Can I choose what account I want my check to de deposited? 

No, the IRS will use the latest information they have on file for you or from your 2018 or 2019 tax return to determine the account where it will be deposited, or they will mail to your recent address on file.

What if the IRS has information for a closed MIDFLORIDA account on file?

At this time, MIDFLORIDA is making every effort possible to manually post all received stimulus payments to the closed accounts by re-opening them. This is not a guaranteed process and there is a slight potential for the payments to be rejected back to the IRS. In that event, members will receive a paper check from the IRS once they process the rejected deposit.

If my account is overdrawn when my stimulus is deposited, will I get my full payment?

In an effort to ensure that members receive the most from their stimulus, MIDFLORIDA will programmatically refund service-related fees assessed from December 15 through January 1, on accounts that are currently overdrawn. However, this will not impact any remaining negative balance created by the use of your account for the purchase of good or services.