In 2025, millions of eligible U.S. taxpayers can expect a $996 stimulus payment as part of the government’s ongoing effort to support recovery from the economic impact of the COVID-19 pandemic. If you missed out on earlier Economic Impact Payments (EIPs), this article is your step-by-step guide to knowing who qualifies, how to claim it, and what to do to ensure you don’t miss out.
Overview
The $996 stimulus is not a brand-new round of payments. Instead, it’s part of the Recovery Rebate Credit initiative—aimed at helping taxpayers who didn’t receive the full stimulus payments in earlier rounds. You don’t need to apply separately. Just file your 2024 tax return on time, and if you qualify, the IRS will handle the rest.
Here’s a quick breakdown:
| Key Info | Details |
|---|---|
| Total Payment | $996 stimulus payment |
| Eligible People | Taxpayers who missed earlier Economic Impact Payments |
| How It’s Sent | Direct deposit or check |
| What You Need To Do | File 2024 tax return by April 15, 2025 |
| Where To File | IRS.gov or authorized e-file providers |
Background
During the pandemic, the U.S. government rolled out several Economic Impact Payments (EIPs), better known as stimulus checks. These were aimed at giving individuals and families a financial cushion. However, many people didn’t receive all the money they were entitled to—either due to filing errors, changes in income, or not filing taxes at all.
To fix that, the IRS is issuing this $996 payment under the Recovery Rebate Credit. So if you missed out before, this is your second chance to claim what you’re owed.
Eligibility
Not everyone qualifies for the full $996. Here’s who does:
- Missed prior EIPs: If you didn’t get the full stimulus in 2020 or 2021, you might qualify now.
- Citizens and resident aliens: You must be a legal U.S. resident with a valid Social Security number.
- Filed 2024 taxes: Even if you had no income, filing is required to claim the credit.
- Income limits apply: Like past payments, the amount you get depends on your income and filing status.
Basically, if your income was on the lower side and you didn’t get the full payments before, you’re probably eligible.
Payment
The IRS will send the payment automatically if you qualify. You don’t need to call, apply separately, or fill out a form beyond your tax return.
- Direct deposit: If the IRS has your bank details, that’s how you’ll get paid.
- Paper check: No bank info? You’ll get a mailed check.
Make sure your address and bank info are current with the IRS. Use the IRS portal to update this info if needed.
Filing
Here’s how to make sure you get your payment:
Step 1
- Income forms (W-2s, 1099s, etc.)
- Bank account details
- Records of previous payments (if any)
Step 2
Filing online is faster and more accurate. Use IRS Free File if you qualify, or go through a trusted tax preparer.
Step 3
Make sure to check the box or section that lets you claim missed stimulus payments.
Step 4
Wrong info can delay or reduce your payment. Recheck your Social Security number, banking details, and income.
Step 5
Submit electronically for faster processing. If mailing, check the IRS address for your state.
Step 6
Use the “Where’s My Refund” tool at IRS.gov to monitor your return status.
Action
To make sure you don’t miss the $996, take these steps:
- File your 2024 tax return before April 15, 2025.
- Update your bank info with the IRS if it changed.
- Keep an eye on your mailbox or bank account.
- Use the “Get My Payment” tool to check your payment status.
Misunderstandings
Let’s clear up a few things:
- It’s not a new stimulus round: This is part of the Recovery Rebate Credit for missed payments.
- No extra form needed: Just file your taxes.
- Not everyone gets the full $996: Your payment depends on your situation.
- No income doesn’t mean no payment: You can still qualify even if you had no income—just file your taxes.
The $996 stimulus payment is a golden opportunity to recover funds you were entitled to. Make sure your paperwork is in order, your taxes are filed, and your information is up to date. A few simple steps can make the difference between getting that money—or missing out.
FAQs
Who qualifies for the $996 stimulus in 2025?
Taxpayers who missed earlier stimulus payments and file their 2024 return.
Do I need to apply separately for the payment?
No, the IRS will issue it automatically after you file your 2024 taxes.
How will I receive my stimulus payment?
Through direct deposit or by mailed paper check from the IRS.
What is the deadline to file taxes for the payment?
You must file your 2024 tax return by April 15, 2025.
Can I get the payment if I had no income?
Yes, as long as you meet eligibility and file a tax return.
