Stimulus Check FAQs
Please be advised:
We want you to have access to 100% of your stimulus payment. Normally, funds deposited electronically into an overdrawn account are automatically used to cover negative balances. However, if your account is overdrawn and you do not want your stimulus money to cover the negative balance, please call us toll-free at 866 CU SoCal (866.287.6225), Monday through Friday: 9 a.m.-6 p.m. or Saturday: 9 a.m.-1 p.m.
How will I know if I’ll get a stimulus check?
The government has set income limits on who can receive a check, whether it’s an individual or couple. Here is the criteria:
- $75,000 for single filers
- $150,000 for married filers
- $112,000 for heads of household (those who are single, widowed, or divorced with dependents)
- You were not claimed as a dependent on someone else’s taxes
Where can I check the status of my stimulus payment?
If you are eligible for a stimulus payment but did not yet receive it by direct deposit, you will most likely get your payment in the weeks ahead as a physical check. Visit the IRS website to see the latest status on your payment.
How long do I have to wait for my stimulus check?
CU SoCal will make your money sent by direct deposit available as soon as possible. Please be advised that we have no way of tracking your payment until it is deposited.
My account is overdrawn. How will my stimulus payment be used?
If your account is negative when you receive your stimulus payment, please let us know how you would like to use your funds. We are happy to work with you to ensure your payment is disbursed as you intended.
Can I use the CU SoCal Mobile App to deposit my stimulus check with my phone?
Absolutely! It’s fast and easy. If you don’t have the CU SoCal Mobile App, go to your favorite source for apps online (Google or Apple both have it) and download our app. You can use Mobile Check Deposit in the CU SoCal Mobile App to deposit the stimulus check by following the steps below.
How to deposit a check with your phone on the CU SoCal Mobile App
- Download our CU SoCal Mobile App for your Apple or Android device.
- Log in to your CU SoCal account and select “Deposit Checks.” Choose which account and enter the check amount you will deposit.
- Snap a picture of the front and back of your endorsed check with your Apple1 or Android device.
1. Certain devices, including Apple iPad 2 and other older devices, lack the quality to provide a clear check image required by the service. You may need to upgrade your device in order to use this service.
How does the government know if I am eligible for a stimulus check?
Because income can be determined from your tax return, the IRS is using your last filed taxes to determine if you are eligible for a stimulus payment.
Do I need to tell the government where to send my stimulus check?
No. The government is using banking information from your tax refund to determine where to send stimulus payments by direct deposit. The IRS will use the information on your last tax form to determine income eligibility and where to send your payment. If your 2019 tax refund was deposited electronically by the IRS into you CU SoCal Checking or Savings Account, your stimulus payment will go into the same account by direct deposit. If you normally receive your tax refund by paper check, you will also receive a paper check for your stimulus payment.
How will the IRS know where to send my stimulus payment?
If you received a 2019 tax refund from the IRS via direct deposit into your CU SoCal Checking or Savings Account, the stimulus payment will be deposited into the same account. If you don’t get your tax refunds electronically, then the IRS will mail your check to the physical address listed on your tax return.
How can I get my payment electronically instead of through the mail?
If you have received past tax refunds by paper check rather than electronic direct deposit, your stimulus payment will also be sent as a paper check. However, the Get My Payment website from the IRS allows you to enter your banking information so that your stimulus payment can be sent by direct deposit, potentially avoiding a longer wait for a paper check. The Get My Payment website also allows you to track the status of your payment. To complete this update, you will need CU SoCal’s routing number (322283796) and your account number, which can be found at the bottom of check to the right of the routing number.
Will taxes be taken out of the stimulus payment?
No, the stimulus payment is not taxed.
I don’t make enough money to file taxes and haven’t for years. I am also on Social Security. Am I eligible for a stimulus check?
Yes. People who are not required to file a tax return, including Social Security recipients, are eligible to receive a stimulus payment, though not if someone else claims you as a dependent on their taxes. Individuals with disabilities and low income households are also eligible. To learn if you have a filing requirement related to stimulus payments, please see the IRS tool
under the “Do I Need to File a Tax Return?
Are stimulus payments going to college students?
College students are only eligible if they are not being claimed as a dependent on a parent’s tax return and do not surpass income requirements to receive a stimulus check.
What does it mean if someone claims they can get my stimulus payment faster for me?
It’s a scam. The government is reporting widespread fraud attempts regarding stimulus payments. Never disclosure sensitive, personal information to anyone over the phone, by email or text or postal mail. That includes your date of birth, account numbers, Social Security number, PIN numbers or any other such information. For more information, visit the IRS’s Coronavirus scams page.
What if my tax preparer sent me my tax refund instead of the IRS? How does that affect how I receive my stimulus check?
If you have never received an electronic tax refund directly from the IRS, you will most likely receive a paper check, which are going out in early May and may take as long as five months to receive. To check the status of your stimulus payment, visit the Economic Impact Payment Information Center of the IRS website by clicking here: https://www.irs.gov/coronavirus/economic-impact-payment-information-center
If I have a tax lien or owe child support, could my stimulus check be garnished?
Yes. If you owe child support or back taxes and have a lien, you could see a garnishment on your stimulus payment.
Can I set up an alert on my account so I know when my stimulus check is deposited?
Yes! Please be advised this function is only available in CU SoCal’s Online Banking channel, but not the CU SoCal Mobile App. Please see the steps below to set up an alert.
Step 1: Go to CUSoCal.org
and sign into your Online Banking (not available through the Mobile App)
Step 2: Click on Alerts on the left of the grey Online Banking dashboard
Step 3: Click Add Alert from the sub menu below the primary dashboard options
Step 4: Select Transaction and click the Next button
Step 5: Name your alert, we suggest IRS Deposit
Step 6: In the Criteria box type the words: IRS TREAS
Step 7: Select the All Day button under Deliver options
Step 8: Select how you would like to be notified (by email and or text)
Step 9: click Save
Please note that alerts are not immediate and can take up to 30 minutes to arrive.