Stimulus check 2: When would it arrive? The key dates to know

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When will a deal be achieved for another stimulus check?


Sarah Tew/CNET

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For days gone by 16 weeks straight, more than 1 million Americans have sought and received unemployment benefits, including enhanced jobless benefits that are set to expire at the conclusion of July. With that deadline looming and no end to the coronavirus pandemic in sight, the focus falls on Congress to approve a second economic impact payment. If you’re wondering when the IRS might send another stimulus check to eligible recipients, let us take a look at what’s ahead.

“As soon as the Senate gets straight back [from its current break], we have been going to sit down on a bipartisan basis with the Republicans and the Democrats,” Treasury Secretary Steven Mnuchin told CNBC on July 9. He added that it would have been a priority to pass another legislation between July 20 and the finish of the month. Another stimulus check “could well be part of it,” Senate Majority Leader Mitch McConnell, a Kentucky Republican, has said.

“[The Republicans] know there has to be a bill,” House Speaker and California Democrat Nancy Pelosi said on July 9. ” Let’s hear what everybody has to say.” The House passed its own rescue package in May, but it hasn’t become law.

What if Congress doesn’t pass another bill by the finish of July that includes another stimulus check? And if it does, when’s the initial your check from the IRS could arrive? We dug through the Senate calendar, that is stuffed with two lengthy recesses, and used the timeline for the initial stimulus check as a model. Read on to see what we discovered.

This story updates frequently with new information. If you’re still waiting on the initial round of coronavirus payments, you can track the status of your stimulus check, learn how to report your no-show check to the IRS and discover possible reasons why your stimulus check still hasn’t arrived.

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Congress is expected to start work soon on a new coronavirus stimulus bill that may put still another $1,200 in your wallet.


Angela Lang/CNET

Stimulus check timeline: What is the Senate doing now?

The Senate has a compressed schedule to work with if it’s going to create, propose and pass another rescue bill — one which could include more stimulus money — before the end of July.

Now through July 17: The Senate is on a fully planned recess that began last Friday, July 3 and goes until next Friday, July 17. Session resumes on Monday, July 20. Including weekends, that is a 17-day hiatus between the last day in session and the first day of the newest session.

Will the Senate members use this recess to work with a second stimulus check? Members of the Senate may be inside their home states, but uses the current break to collect data for work on another package when the session resumes. 

“I think the timing is going to be just about right for us to know what we need to know for a package that moves us into August, September and October,” said Sen. Roy Blunt, a Republican from Missouri, on June 30.

July 20 to Aug. 7: The Senate will be in session for three work weeks, until Friday, Aug. 7. That gives the Senate 15 trading days (not including weekends) to debate a bill before its next summer recess.

Aug. 10 to Sept. 7: The Senate will break because of its August recess, which lasts through Labor Day (Monday, Sept. 7). There are 32 days from the past date of the Senate session (Aug. 7) before the first day of these session (Sept. 8). The Senate wont work through the August break, McConnell said June 30.

If the Senate does use up a second stimulus package in July, a fresh bill authorizing the checks would need to pass both chambers on or before Friday, Aug. 7, to cope with prior to the Senate’s August break.

Sept. 8 to Sept. 25: The Senate is in session. If Congress does not complete the stimulus package by the beginning of the August break, it would need to resume in September.

When could the IRS send another stimulus payment?

It’s still possible for the IRS to start sending checks in August, if the House and Senate do provide a second round of stimulus checks the green light by the finish of July. 

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It’s time to hash out the numbers.


Sarah Tew/CNET

For reference, the president signed the CARES Act into law on March 27 and the initial stimulus payments went out significantly less than three weeks later, on April 15. 

For the objective of speculation only, let’s say a new stimulus act becomes law on Friday, Aug. 7. Following the CARES Act timeline, the first checks could head out by Aug. 26.

It’s plausible, however, that the IRS could move even faster to send out the first wave of stimulus checks, since it already has the mechanism in place from the first batch, including something for people to sign up for direct deposit and track their payments

Factors like exactly how many people would qualify for a payment the 2nd time around could are likely involved in reducing or quickening this timeline.

What’s the last date I really could receive a 2nd stimulus check?

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A second stimulus bill may be the last for Americans afflicted with the coronavirus pandemic.


Angela Lang/CNET

While we don’t know anything official — and won’t until another rescue package is official — we can draw on the ability of the initial stimulus checks as a potential blueprint. 

The IRS will have sent about 200 million checks by enough time it’s done distributing payments. (The total US populace is nearly 330 million people, according to the Census Bureau.)

At the beginning of June, the House Ways and Means Committee estimated (PDF) as many as 35 million Americans could nevertheless be owed a payment. 

The IRS hasn’t responded to CNET’s questions about how many checks remain to be sent today, but the agency did say it will continue to disburse the last batches through the end of the year. If there are fewer people finding a second stimulus check, however, it’s possible that it won’t just take as long to send another round of checks.

If you did not get your money yet, here are 10 possible reasons for a delay. If you’re worried you were supposed to receive your check and didn’t, here’s everything you can do

Do we still need a 2nd stimulus check? The unemployment debate heats up

Is another stimulus check necessary? That question reaches the heart with this debate. 

“The path forward for the economy remains extraordinarily uncertain and will depend in large part on our success in containing the virus,” said Federal Reserve Chair Jerome Powell during House testimony at the conclusion of June. “The path forward will also depend on policy actions taken at all levels of government to provide relief and to support the recovery for as long as needed.”

For the 16th straight week, the Labor Department reported (PDF), the number of US workers trying to get unemployment insurance was above 1 million, with 1.3 million workers filing new state unemployment claims for the week ending July 4. The amount of initial claims is down 99,000 from the week before.

Josh Bivens, the director of the nonpartisan Economic Policy Institute, said expanded unemployment benefits was a key piece of the CARES Act that’s crucial for families where someone has lost employment. The expanded unemployment benefits are set to expire at the end of July.

According to a study by the EPI, Bivens told CNET, if Congress does not renew the additional $600 at the conclusion of July the country may have 5 million fewer jobs a year from now than if Congress kept the enhanced benefits running. “It’s a huge obstacle to recovery if we let it lapse,” Bivens said.

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Even with some businesses starting to open, the US features a staggeringly high unemployment rate.


Angela Lang/CNET

What will it just take to get yourself a second stimulus check and what happens now?

The passage of another round of IRS payments appears to depend on a couple of things: how defectively the economy is faring and if lawmakers believe a primary payment to millions of people is the greatest way to respond to the current recession

For now, we wait till the Senate returns from its July recess to use up the next stimulus package. To receive a 2nd check, the proposed rescue package would need to pass both House and the Senate before finding a signature from the president. Only then could it take effect. 

After that, the IRS now features a system set up to organize and distribute those checks. But it could nevertheless be weeks more before you get a payment.

We’ll continue to update this story with new information as it arises. While the future of another stimulus bill remains undecided, we’ll share available resources about coronavirus hardship loans and unemployment insurance, what you can do if you have lost your job, what to know about evictions and late car payments and how to take get a grip on of your budget.



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