# Check in here (if you like) if you have (or have pending) your stimulus check **URL:** \ **Category:** The Quarantine Zone\ **Tags:** covid-quarantine\ **Created:** [April 13, 2020, 5:09pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705 "2020-04-13T17:09:17Z")\ **Posts on this page:** 20\ **Page:** 3
**Author:** ![Skypist](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/skypist/32/169_2.png) [@Skypist](https://boards.straightdope.com/u/Skypist)\ **Post date:** [April 15, 2020, 8:19am UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/41 "2020-04-15T08:19:19Z")
> [@Alley\_Dweller](#): > > It is illegal in the United States for banks to take money from deposit accounts to satisfy credit card debt without either the depositor’s consent or a levy order. [15 USC § 1666h](https://www.law.cornell.edu/uscode/text/15/1666h) Not sure how accurate this source is. > **['Beyond Predatory': Trump Treasury Department Gives Banks Green Light to...](https://www.commondreams.org/news/2020/04/14/beyond-predatory-trump-treasury-department-gives-banks-green-light-seize-1200)** > > "The Treasury Department is pointing out opportunities for banks and debt collectors to steal Americans' relief checks out from under them." > [@](#): > > “Congress did give Treasury the authority under Section 2201(h) of the CARES Act to write rules exempting the payments from private debt collectors,” Dayen noted, but the Treasury Department—headed by former Goldman Sachs executive Steve Mnuchin—has thus far refused to exercise that authority despite pressure from Democratic members of Congress and state attorneys general. Stimulus money has been deposited into my account! So I guess “the list” might not be full of baloney after all. ---
**Author:** ![KneadToKnow](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/kneadtoknow/32/3999_2.png) [@KneadToKnow](https://boards.straightdope.com/u/KneadToKnow)\ **Post date:** [April 15, 2020, 11:43am UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/42 "2020-04-15T11:43:01Z")
Pending payment has manifested in actual dollars. ---
**Author:** ![Bill\_Door](https://avatars.discourse-cdn.com/v4/letter/b/50afbb/32.png) [@Bill\_Door](https://boards.straightdope.com/u/Bill_Door)\ **Post date:** [April 15, 2020, 11:57am UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/43 "2020-04-15T11:57:22Z")
Ours showed up as pending this morning. We made well under the threshold in 2018 and 2019, but because I converted some conventional IRA money to Roth back in March our 2020 income will be over the limit. I don’t know how that will work out for us, technically the stimulus payment is an advance of a 2020 credit, but as far as I know there’s no mechanism for the IRS to take it back, at least as of now. I’ve no plans to do anything different with the cash, I just went to my Vanguard account and skipped my next two monthly distributions. It should be a cash neutral transaction for me. ---
**Author:** ![Alley\_Dweller](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/alley_dweller/32/430_2.png) [@Alley\_Dweller](https://boards.straightdope.com/u/Alley_Dweller)\ **Post date:** [April 15, 2020, 12:29pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/44 "2020-04-15T12:29:12Z")
> [@Bill\_Door](#): > > Ours showed up as pending this morning. We made well under the threshold in 2018 and 2019, but because I converted some conventional IRA money to Roth back in March our 2020 income will be over the limit. I don’t know how that will work out for us, technically the stimulus payment is an advance of a 2020 credit, but as far as I know there’s no mechanism for the IRS to take it back, at least as of now. Here is what the CARES Act says: > [@](#): > > ‘‘(1) IN GENERAL.—The amount of credit > 10 which would (but for this paragraph) be allowable > 11 under this section shall be reduced (but not below > 12 zero) by the aggregate refunds and credits made or > 13 allowed to the taxpayer under subsection (f). Subsection (f) is the section that authorizes the advance payments in 2020 based on your 2018 or 2019 return. Note the words “but not below zero.” Those are the key words. The credit you are entitled to next year will be reduced by the payment you received this year, but not below zero. So, if you are entitled to a larger credit next year, you will get the difference next year. If you are entitled to a smaller credit, you will not have to pay anything back. ---
**Author:** ![WolfpackJeep](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/wolfpackjeep/32/2921_2.png) [@WolfpackJeep](https://boards.straightdope.com/u/WolfpackJeep)\ **Post date:** [April 15, 2020, 12:36pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/45 "2020-04-15T12:36:49Z")
Mine is showing up as “pending” this morning. My mother’s is not – she files tax returns, but the IRS doesn’t have her direct deposit information on file. She does receive her Social Security payments via direct deposit though, so I’m guessing she will be in the second wave of payments. ---
**Author:** ![MissTake](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/misstake/32/3189_2.png) [@MissTake](https://boards.straightdope.com/u/MissTake)\ **Post date:** [April 15, 2020, 12:50pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/46 "2020-04-15T12:50:41Z")
Both my daughter and I received them this morning. Hers already has been divvied up into her savings accounts, mine is still sitting there, looking pretty. Haven’t seen any at work yet. Unfortunately, the stimulus payments are being treated the same as a “normal” federal intercept, so if a person is certified for intercepts and owes arrears on child support cases, the payment will be garnished. To add insult to injury, the payments will apply first to any public assistance arrears, so the custodial parent may not receive anything either. I consider it bullshit, but my opinion doesn’t count. Then again, the vast majority of my clients don’t bother filing taxes anyways… ---
**Author:** ![UltraVires](https://avatars.discourse-cdn.com/v4/letter/u/ecccb3/32.png) [@UltraVires](https://boards.straightdope.com/u/UltraVires)\ **Post date:** [April 15, 2020, 1:39pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/47 "2020-04-15T13:39:40Z")
> [@RivkahChaya](#): > > Showed up about an hour ago; already moved into savings. > > Was bad, and did go buy a book on Amazon. (Hearing my father’s voice): And this is why you will never have anything nice. Always wasting your money. 🙂 ---
**Author:** ![GIGObuster](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/gigobuster/32/421_2.png) [@GIGObuster](https://boards.straightdope.com/u/GIGObuster)\ **Post date:** [April 15, 2020, 2:39pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/48 "2020-04-15T14:39:55Z")
Count the money! [sub]De Monet…[/sub] Pending since yesterday in the bank. Computer claims I can move it now to savings. Will wait for it to not be pending to do repairs around the house. I wonder though how will it go for the ones that have to get the check by mail, there are reports that Trump is delaying that just to have his signature in the checks. If there are delays for that… Ace hardware is still open and has a sale right now on torches and pitchforks. [sub]Ok, rakes, but close enough.[/sub] 🙂 ---
**Author:** ![Dark\_Sponge](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dark_sponge/32/121_2.png) [@Dark\_Sponge](https://boards.straightdope.com/u/Dark_Sponge)\ **Post date:** [April 15, 2020, 2:50pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/49 "2020-04-15T14:50:27Z")
Got it. Looks like it was for me + wife + our youngest still living at home. ---
**Author:** ![Jonathan\_Chance](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/jonathan_chance/32/701_2.png) [@Jonathan\_Chance](https://boards.straightdope.com/u/Jonathan_Chance)\ **Post date:** [April 15, 2020, 2:55pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/50 "2020-04-15T14:55:17Z")
Looks like mine showed up overnight. Hot tub, here I come. ---
**Author:** ![RingsOfPylon](https://avatars.discourse-cdn.com/v4/letter/r/3da27b/32.png) [@RingsOfPylon](https://boards.straightdope.com/u/RingsOfPylon)\ **Post date:** [April 15, 2020, 2:57pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/51 "2020-04-15T14:57:10Z")
Capital One posted this morning. Was not there yesterday morning. ---
**Author:** ![Loach](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/loach/32/350_2.png) [@Loach](https://boards.straightdope.com/u/Loach)\ **Post date:** [April 15, 2020, 3:06pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/52 "2020-04-15T15:06:46Z")
Just checking to see if I read the bill right. Correct me if I’m wrong, I believe my daughter won’t get anything. She is 20 years old and currently out of work as a waitress. Since she is living at home and she was claimed as a dependent on my taxes I’m thinking she gets nothing. I’m still working and getting my full pay so it’s fine that I’m not getting anything. It stinks for my daughter who is getting about $250 a week in unemployment until it runs out. ---
**Author:** ![Eva\_Luna](https://avatars.discourse-cdn.com/v4/letter/e/e495f1/32.png) [@Eva\_Luna](https://boards.straightdope.com/u/Eva_Luna)\ **Post date:** [April 15, 2020, 3:17pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/53 "2020-04-15T15:17:34Z")
> [@Loach](#): > > Just checking to see if I read the bill right. Correct me if I’m wrong, I believe my daughter won’t get anything. She is 20 years old and currently out of work as a waitress. Since she is living at home and she was claimed as a dependent on my taxes I’m thinking she gets nothing. > > I’m still working and getting my full pay so it’s fine that I’m not getting anything. It stinks for my daughter who is getting about $250 a week in unemployment until it runs out. She would be eligible for the [supplemental unemployment benefits,](https://www.nerdwallet.com/blog/finance/money/coronavirus-spending-bill-expands-unemployment-what-you-need-to-know/) though, wouldn’t she? ---
**Author:** ![Kovitlac](https://avatars.discourse-cdn.com/v4/letter/k/2bfe46/32.png) [@Kovitlac](https://boards.straightdope.com/u/Kovitlac)\ **Post date:** [April 15, 2020, 3:41pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/54 "2020-04-15T15:41:33Z")
Just got mine in this morning! Technically it’s pending, but it shows up in my balance, so it’s good enough for me! Already paid off the last $250 on my car, and made a significant dent in my cc bill (mostly from repairs for said car, ugh…). With my car alone, that’s about $160 or so I’m now saving every month. Feels good, man! ---
**Author:** ![mbh](https://avatars.discourse-cdn.com/v4/letter/m/a6a055/32.png) [@mbh](https://boards.straightdope.com/u/mbh)\ **Post date:** [April 15, 2020, 3:45pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/55 "2020-04-15T15:45:41Z")
04/15/2020, it’s “processing”. I Hope the SBA can do theirs as quickly. My employer needs it far worse than I do. ---
**Author:** ![susan](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/susan/32/17537_2.png) [@susan](https://boards.straightdope.com/u/susan)\ **Post date:** [April 15, 2020, 4:08pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/56 "2020-04-15T16:08:41Z")
Not yet. ---
**Author:** ![John\_Bredin](https://avatars.discourse-cdn.com/v4/letter/j/96bed5/32.png) [@John\_Bredin](https://boards.straightdope.com/u/John_Bredin)\ **Post date:** [April 15, 2020, 4:14pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/57 "2020-04-15T16:14:50Z")
Received this morning in my Bank of America account, wasn’t there last night. While it’s marked as processing, it was also included in my available balance and I was able to move the entire sum to my savings account. ---
**Author:** ![Loach](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/loach/32/350_2.png) [@Loach](https://boards.straightdope.com/u/Loach)\ **Post date:** [April 15, 2020, 4:49pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/58 "2020-04-15T16:49:33Z")
> [@Eva\_Luna](#): > > She would be eligible for the [supplemental unemployment benefits,](https://www.nerdwallet.com/blog/finance/money/coronavirus-spending-bill-expands-unemployment-what-you-need-to-know/) though, wouldn’t she? I will have to see if she needs to do more than she has to get that. ---
**Author:** ![Randolph](https://avatars.discourse-cdn.com/v4/letter/r/e5b9ba/32.png) [@Randolph](https://boards.straightdope.com/u/Randolph)\ **Post date:** [April 15, 2020, 4:51pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/59 "2020-04-15T16:51:00Z")
Got it this morning, via my small to mid-sized bank, after filing normally last year. It’ll definitely help out, 'cause even though I’m still gainfully four-fifths employed (for now), shit’s all weird, yo. ---
**Author:** ![Dinsdale](https://avatars.discourse-cdn.com/v4/letter/d/97f17d/32.png) [@Dinsdale](https://boards.straightdope.com/u/Dinsdale)\ **Post date:** [April 15, 2020, 5:20pm UTC](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705/60 "2020-04-15T17:20:00Z")
$1500 direct deposit today, despite the fact that I continue to work and draw my federal salary, and that neither I nor my wife (filing jointly) ought to qualify under any of the rules I had heard of. Stupid shit. [Previous page](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705.md?page=2) [Next page](https://boards.straightdope.com/t/check-in-here-if-you-like-if-you-have-or-have-pending-your-stimulus-check/851705.md?page=4)