If you’ve heard talk about a $1,400 direct deposit coming from the IRS in May 2025, it’s not just a rumor—it’s real. Millions of Americans may still be eligible for a payment they missed out on during the third round of COVID-19 relief in 2021.
This is your final chance to claim it through the Recovery Rebate Credit. Whether you’re a student, retiree, freelancer, or stay-at-home parent, here’s how you can make sure you get this money before it’s too late.
Overview
The $1,400 payment isn’t a new stimulus—it’s a delayed credit from the third Economic Impact Payment issued in 2021 under the American Rescue Plan. For those who never received the check or didn’t claim it properly on their taxes, the IRS is offering one last opportunity to claim the money—if you act by May 15, 2025.
Here’s a quick summary:
| Topic | Details |
|---|---|
| Payment Amount | $1,400 per eligible person |
| Program | Recovery Rebate Credit (2021) |
| Deadline to File | May 15, 2025 |
| Who’s Eligible | Non-filers or those who missed/underclaimed RRC |
| How to Claim | File or amend your 2021 tax return |
| Income Threshold (Single) | Up to $75,000 (phases out at $80,000) |
| Income Threshold (Joint) | Up to $150,000 (phases out at $160,000) |
| Extra Per Dependent | $1,400 for each qualifying dependent |
$1,400 Payment
The $1,400 payment comes from the third round of stimulus checks that went out during the pandemic. While most people got it automatically, around 1.1 million missed out due to filing errors, non-filing, or misunderstanding the rules.
The IRS now allows people to claim the missing money through a special tax credit on their 2021 return. It’s called the Recovery Rebate Credit, and it could still land in your bank account this year—if you act fast.
Who Is Eligible?
Did you earn little or no income in 2021 and skip filing taxes? You may still qualify. Many people assume that no income means no refund—but in this case, you must file to claim the $1,400.
Taxpayers Who Filed But Missed the Credit
Some filed in 2021 but didn’t claim the Recovery Rebate Credit on Line 30 of Form 1040. Others entered incorrect amounts. You can fix it by filing Form 1040-X to amend your return.
Income-Based Eligibility
Here’s how much you can earn and still qualify:
| Filing Status | Full Credit Up To | Phase-Out Ends At |
|---|---|---|
| Single | $75,000 | $80,000 |
| Married Filing Joint | $150,000 | $160,000 |
| Head of Household | $112,500 | $120,000 |
Even if your income was slightly above the limit, you may still receive a partial payment.
Dependents Count Too
Each qualifying dependent also adds $1,400 to your total. This includes:
- Children under 18
- Full-time college students
- Disabled adults or elderly dependents
How to Claim It
Here’s a simple step-by-step guide:
Step 1
Log into your IRS Online Account to view your payment history. Look for the third stimulus check issued in March 2021.
Step 2
You’ll need:
- W-2s, 1099s, or any 2021 income documents
- Social Security numbers for yourself and dependents
- Any previous tax records
Step 3
- If you didn’t file in 2021, submit a Form 1040 and claim the credit on Line 30
- If you filed but missed the credit, file Form 1040-X to amend it
You can do this online, through a tax preparer, or at a VITA center.
Step 4
That’s the absolute deadline. After that, the money is gone for good.
Pro Tip: If you need help, use IRS Free File or find a local VITA (Volunteer Income Tax Assistance) center.
Real-Life Stories
Maria didn’t file taxes in 2021, thinking she wasn’t eligible. In early 2025, she filed for the first time—and received a $1,400 direct deposit in a few weeks.
The Johnson Family
They filed their taxes in 2021 but skipped Line 30. In 2024, they amended their return and received $5,600 for their family of four.
Leonard, Retiree
Leonard relied on Social Security and didn’t know he could still file for the Recovery Rebate. A VA counselor helped him submit a return, and he got his $1,400 in May 2025.
Tools & Resources
FAQs
Is the $1,400 deposit real?
Yes, it’s from the 2021 Recovery Rebate Credit, not a new stimulus.
Who qualifies for the $1,400 credit?
Non-filers or those who missed claiming it on their 2021 tax return.
What’s the deadline to file?
May 15, 2025 is the final day to claim the credit.
Can I get money for my dependents?
Yes, $1,400 per qualifying dependent can be added to your refund.
How do I file for the credit?
File or amend your 2021 return and claim it on Line 30 of Form 1040.
