IRS Direct Deposits Over $1,200 This April: The Internal Revenue Service (IRS) is sending out direct deposits of over $1,200 this April as part of a renewed push to distribute unpaid portions of the Recovery Rebate Credit (RRC). This tax credit, originally introduced during the COVID-19 pandemic, gives Americans a chance to receive their missing third Economic Impact Payment (EIP) — potentially putting thousands of dollars back into eligible bank accounts. If you missed the third stimulus check in 2021 or didn’t get the full amount you were entitled to, now’s the time to take action. Millions may still qualify for this payment, but the deadline to claim is quickly approaching. Here’s everything you need to know.
IRS Direct Deposits Over $1,200 This April
The Recovery Rebate Credit is your last chance to receive the full third-round stimulus payment if you missed it during the pandemic. With direct deposits going out in April, many Americans are finally getting the financial relief they were due. Whether you’re an individual filer, a head of household, or supporting a family, there’s still time to act — but only if you file your 2021 tax return before April 15, 2025. Acting now could mean receiving $1,400 or more directly into your account. For many households, that’s a welcome boost — especially with rising living costs. Don’t miss your opportunity.
| Aspect | Details |
|---|---|
| Payment Amount | Up to $1,400 per individual; $2,800 for married couples filing jointly; additional $1,400 per qualifying dependent. |
| Eligibility Criteria | U.S. citizens or resident aliens in 2021, valid Social Security number, not claimed as a dependent on another’s tax return, and meeting income thresholds. |
| Income Limits | Full credit for AGI up to $75,000 (single), $150,000 (married filing jointly); phase-out begins beyond these limits, with no credit at $80,000 (single) and $160,000 (married filing jointly). |
| Deadline to Claim | File 2021 tax return by April 15, 2025. |
| How to Claim | File a 2021 federal tax return and complete the Recovery Rebate Credit section. |
| Additional Resources | IRS Recovery Rebate Credit Information |
What Is the Recovery Rebate Credit?
The Recovery Rebate Credit is a tax credit designed to ensure that Americans who didn’t receive their full stimulus payments (Economic Impact Payments) in 2020 and 2021 can claim that money through their tax return. Specifically, the April 2025 payments relate to the third round of stimulus — the one authorized under the American Rescue Plan Act of 2021.
If the IRS didn’t send you your full payment (or any payment at all) based on your 2019 or 2020 tax information, you can still get it by filing a 2021 federal tax return and claiming the RRC.
Are You Eligible?
You may be eligible for the Recovery Rebate Credit if:
- You were a U.S. citizen or resident alien in 2021.
- You had a valid Social Security number.
- You were not claimed as a dependent on another taxpayer’s 2021 return.
- Your adjusted gross income (AGI) was within eligible limits:
- Up to $75,000 (single filers)
- Up to $150,000 (married filing jointly)
- Up to $112,500 (head of household)
If your income was slightly above these thresholds, you may still receive a partial credit. However, payments completely phase out above $80,000 (single) or $160,000 (married filing jointly).
How Much Money Can You Get?
The IRS Recovery Rebate Credit can provide:
- $1,400 per eligible adult
- $1,400 per qualifying dependent (of any age)
So, a family of four (two parents and two dependents) could potentially receive $5,600 if they missed the third EIP entirely.
How to Claim the IRS Direct Deposits Over $1,200 This April?
To receive the money you’re owed, follow these simple steps:
1. File a 2021 Federal Tax Return
Even if you don’t normally file taxes due to low income, you must file a return for the 2021 tax year. This is the only way to access the Recovery Rebate Credit.
2. Include the Recovery Rebate Credit
When filling out your 2021 return, there will be a specific section to calculate the RRC. You’ll need to know how much of the third stimulus payment (if any) you received.
3. Use IRS Letter 6475
This letter was mailed to Americans in early 2022 and details how much of the third payment you received. It’s a key document for determining the amount of credit you can claim.
4. File Electronically and Use Direct Deposit
To speed up your payment, use e-file software or the IRS Free File system and opt for direct deposit.
5. Meet the Deadline
You have until April 15, 2025 to file a return and claim the RRC. After that, the money is gone for good.
What If You Already Filed?
If you filed a 2021 return but didn’t claim the Recovery Rebate Credit and believe you should have, you can amend your return using Form 1040-X.
Common Mistakes to Avoid
- Not Filing a Return at All: You won’t get the credit automatically unless you file a 2021 tax return.
- Incorrectly Reporting Dependent Info: Ensure names, birth dates, and SSNs match IRS records.
- Falling for Scams: The IRS will not call, email, or text you to ask for stimulus info.
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FAQs About IRS Direct Deposits Over $1,200 This April
Q1: I didn’t receive any of the third stimulus payment. Can I still get it?
Yes. If you’re eligible, you can claim the full amount through the 2021 Recovery Rebate Credit by filing your 2021 tax return.
Q2: What if I received only part of the stimulus?
You may be eligible to claim the difference as a credit.
Q3: Can dependents of any age qualify?
Yes. Unlike earlier stimulus payments, dependents of any age, including adult children and elderly parents, may qualify for the $1,400 payment.
Q4: What if I never filed taxes before?
You can still file your 2021 return and claim the credit using IRS Free File or professional assistance.
Q5: How long will it take to receive the payment after filing?
Generally, the IRS issues refunds within 21 days of receiving an electronically filed return with direct deposit.
