$1,200+ Direct Deposits from IRS This April: The IRS is sending out $1,200+ direct deposits this April as part of the Recovery Rebate Credit. If you didn’t receive the full amount of your third Economic Impact Payment (EIP), you might be eligible for this additional stimulus money—up to $1,400 per person. But there’s a deadline approaching fast: April 15, 2025. This article will walk you through who qualifies, how to claim the credit, and what to do if you haven’t received your money yet.
$1,200+ Direct Deposits from IRS This April
The Recovery Rebate Credit is a second chance for taxpayers who missed out on stimulus payments during the pandemic. With up to $1,400 per eligible person available, taking the time to file a 2021 return could mean a significant financial boost—especially as households face rising costs in 2025. Don’t delay. If you believe you’re eligible, file as soon as possible before the April 15, 2025 deadline.
| Aspect | Details |
|---|---|
| Payment Amount | Up to $1,400 per individual |
| Who is Eligible | U.S. citizens or resident aliens not claimed as dependents, with valid Social Security numbers, who didn’t receive full third EIP (IRS Source) |
| Deadline to Claim | April 15, 2025 |
| How to Claim | File a 2021 federal tax return and complete the Recovery Rebate Credit section |
| Official IRS Resources | IRS Recovery Rebate Credit |
What Is the Recovery Rebate Credit?
The Recovery Rebate Credit is a refundable tax credit designed to help people who missed out on some or all of the third round of stimulus payments in 2021. The third EIP was originally distributed in March 2021 under the American Rescue Plan.
You could be eligible for this credit if:
- You didn’t receive the third EIP
- You received less than the full amount
- Your income or family situation changed in 2021
- You had a new dependent in 2021
The credit is based on your 2021 tax information, not your prior returns, which means changes in family size or income might qualify you even if you weren’t eligible before.
Eligibility Requirements
To receive the Recovery Rebate Credit in 2025, you must:
- Be a U.S. citizen or resident alien in 2021
- Not be claimed as a dependent on someone else’s 2021 return
- Have a valid Social Security number
- Meet the income requirements:
| Filing Status | Full Credit AGI Limit | Phase-Out Starts | Fully Phased Out |
|---|---|---|---|
| Single | Up to $75,000 | $75,001 | $80,000 |
| Married Filing Jointly | Up to $150,000 | $150,001 | $160,000 |
| Head of Household | Up to $112,500 | $112,501 | $120,000 |
How to Claim $1,200+ Direct Deposits from IRS This April?
Even if you don’t usually file taxes, you must file a 2021 federal tax return to claim the credit.
Step-by-Step Guide:
- Gather Documents
Prepare your 2021 income documents, dependents’ SSNs, and any IRS letters about previous stimulus payments (e.g., Letter 6475). - File a 2021 Tax Return
Use a trusted provider or the IRS Free File tool if you earned less than $73,000. - Fill Out the Recovery Rebate Credit Section
The tax software or IRS Form 1040 instructions will guide you through this. - File by April 15, 2025
This is the final deadline to claim the credit for the 2021 tax year. - Choose Direct Deposit
For fastest payment, provide your bank account information.
Real-Life Examples
- New Parents: Sarah and Mark had a baby in 2021 and didn’t receive a third EIP for the child. They filed a 2021 return and received an additional $1,400.
- Recent Graduates: David was claimed as a dependent in 2020 but not in 2021. Since he wasn’t eligible for the third EIP as a dependent, he filed a 2021 return and received $1,400.
What If You’re a Non-Filer?
Even if your income was zero or below the filing threshold, you must still file a 2021 return to get the credit. The IRS will not automatically send it otherwise.
Avoid These Common Mistakes
- Missing Deadline: April 15, 2025, is the last day to file and claim.
- Incorrect SSN or Tax Info: Double-check all entries.
- Not Reporting Changes: New children, income changes, or new filing status can impact eligibility.
- Using the Wrong Tax Year: This credit is based on 2021, not 2022 or 2023.
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FAQs About $1,200+ Direct Deposits from IRS This April
1. What is the maximum amount I can receive?
Up to $1,400 per eligible person—including dependents.
2. Can I still claim the Recovery Rebate Credit if I already received a stimulus check?
Yes, if you received less than the full amount, you can claim the difference.
3. What if I didn’t file taxes in 2021 or 2022?
You can still file a late 2021 return to claim the credit until April 15, 2025.
4. How will the IRS send my payment?
By direct deposit (if provided) or by check mailed to your last known address.
5. Do I need special forms?
Just Form 1040 for the 2021 tax year. Most tax software includes the Recovery Rebate Credit section.
6. Will this affect other benefits or future refunds?
No. The credit is not taxable and won’t affect federal benefits like SNAP, Medicaid, or housing assistance.
