Why didn’t I get my child tax credit payment? Here’s how to track your check


October’s youngster tax credit score funds went out to hundreds of thousands of households on Friday. However some checks may very well be late. 

Sarah Tew/CNET

The IRS despatched the fourth child tax credit payment out to hundreds of thousands of oldsters on Oct. 15. For those who did not obtain your fee by way of direct deposit, it may very well be coming by paper verify within the mail by the tip of October. Nonetheless, if you have not obtained a baby tax credit score fee or when you’re lacking cash from one of many different months, we’ll assist you determine what is going on on.

Final month, the IRS ran right into a technical difficulty that precipitated round 2% of eligible households to overlook September’s fee. It principally affected mother and father who had just lately up to date their checking account or handle particulars by the IRS Update Portal. The IRS mentioned these funds have gone out however some households may have received an overpayment. If that is you, your October, November and December checks can be barely adjusted. 

The glitch is one among a number of child tax credit problems that oldsters are going through. We additionally discovered that if just one father or mother in a married family made a correction to banking data or a mailing handle, it may have diminished the quantity of the fee. Additionally, mother and father may need obtained more cash than they qualify for as a consequence of outdated tax data from outdated returns, which may additionally affect their taxes in 2022

We’re right here that will help you determine monitor your cash on-line utilizing the IRS Replace Portal and file a payment trace if just a few weeks have handed and there is not any signal of your cash. This is what you must know when you plan to opt out of the remaining monthly checks earlier than the following deadline, Nov. 1 (which suggests you will get an even bigger verify in 2022). And here is the newest on the child tax credit extension. We have up to date this story. 

What ought to I do if I did not get any youngster tax credit score funds?

The 2021 advance month-to-month youngster tax credit score funds began routinely in July. Though youngster tax credit score funds are scheduled to reach on sure dates, you might not have gotten the cash as anticipated for just a few causes. The IRS might not have an up-to-date mailing handle or banking data for you. The mailed verify could also be held up by the US Postal Service or if it was a current fee, the direct deposit fee should be being processed. 

It is also vital to notice that when you’ve been a sufferer of tax-related identification theft, you will not obtain youngster tax credit score funds till these points have been resolved with the IRS. If the problems aren’t cleared up this 12 months, you will get the total quantity while you file taxes in 2022. And understand that even when you’ve got unpaid state or federal debt, it’s best to nonetheless obtain youngster tax credit score funds when you’re eligible. 

In September, roughly 700,000 households didn’t obtain a fee as a consequence of an IRS technical error. Issues with lacking funds had been additionally reported in earlier months among “mixed-status” families, the place one father or mother is a US citizen and the opposite is an immigrant, although that difficulty ought to have been corrected for later funds. 

One other doable cause your verify could also be delayed is that if your 2020 return is nonetheless being processed; the IRS continues to be working by a backlog of returns. In case your data has modified otherwise you had a child just lately, the IRS might not know that it owes you the credit score, particularly if the tax company is basing the credit score in your 2019 tax return whereas the newest one is processing. 

How do I get an replace on my youngster tax credit score verify? 

You possibly can anticipate recurring month-to-month funds to hit your checking account on the fifteenth by December. In keeping with the IRS, you should utilize the Child Tax Credit Update Portal to see your processed month-to-month fee historical past. It’s going to be a great way to observe for pending funds that have not gone by your checking account but. 

For those who nonetheless have not obtained the cash you are owed, see if the Processed Funds part of the replace portal has any data. If the fee was delivered, make sure that your handle and banking data are right — particularly when you’ve moved or modified banks.

To verify in your funds on-line, you will have to register together with your IRS username and ID.me account information. First-time customers might want to have a photograph ID (it is one of many methods the IRS is making an attempt to guard your data from identification theft). 

For those who’re checking your checking account, search for the deposit labeled CHILDCTC. In case your financial institution has not obtained the deposit from the IRS, it will not have any processing data for you when you’re making an attempt to find your verify. For those who suppose there’s an error, begin by utilizing the replace portal to double-check the financial institution particulars the IRS has on file, together with your account data and routing numbers. 

Youngster tax credit score fee schedule

Month-to-month  Most fee per youngster 5 and youthful  Most fee per youngster age 6 to 17
July 15 $300 $250
Aug. 13 $300 $250
Sept. 15 $300 $250
Oct. 15 $300 $250
Nov. 15 $300 $250
Dec. 15 $300 $250
April 2022: Second half of fee  $1,800 $1,500


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When ought to I file a fee hint for my lacking cash?

The IRS additionally gives a payment trace as a strategy to discover your funds, together with from lacking stimulus checks. You possibly can request a hint — which suggests submitting an inquiry into the placement of your IRS cash — by mailing or faxing Form 3911 (PDF) to the tax company. Even when the IRS says you are ineligible for advance funds, it is best to submit a fee hint in case there is a portal error. 

Your fee can be traceable if it has been at the very least 5 days because the deposit date and the financial institution hasn’t obtained the cash, 4 weeks because the verify was mailed or six weeks if it was mailed to a forwarded handle listed by USPS. If the verify was mailed to a overseas handle, you may ask for a fee hint after 9 weeks.

When to request a fee hint

Technique of fee Time handed since IRS despatched your fee
Direct deposit 5 days
Verify mailed to plain handle 4 weeks
Verify mailed to a forwarded handle 6 weeks
Verify mailed to a overseas handle 9 weeks

At first look, the steps to request a fee hint can look daunting. You may have to print and mail the finished Form 3911 from the IRS (PDF) to start out tracing your youngster tax credit score fee. For those who need assistance finishing the shape, contact your native tax marketing consultant. Earlier than you do, there are just a few pointers to remember. 

  • An IRS consultant advised CNET that there is not an abbreviation or code to incorporate within the “Inquiry” discipline. You may should be as particular as doable about what fee you would like to trace. Make certain to specify that you are looking to hint a baby tax credit score verify and the month the fee was disbursed. 
  • For those who filed taxes collectively, each mother and father might want to signal the shape to start out the fee hint course of. 
  • Be sure you verify whether or not or not your cash was despatched by way of direct deposit or verify. In case your banking data is listed on the Youngster Tax Credit score Replace Portal, we advocate selecting the direct deposit field. 
  • You may have to mail the shape the place you’ll often ship a paper tax return in your space. The IRS has a list of addresses and fax numbers to assist. 
  • You shouldn’t request a fee hint to find out your eligibility or to verify your youngster tax credit score quantity. 
  • It may take as much as 60 days to obtain a response.

What if I do not get the quantity I anticipated?

Your youngster tax credit score checks might have been much less or greater than you anticipated. For those who meet the entire youngster tax credit score necessities and discover that you just’re receiving much less or more cash than anticipated, there are just a few steps you may take. Begin by checking your eligibility primarily based in your most up-to-date tax return utilizing the IRS Eligibility Assistant

In keeping with a Sept. 24 IRS statement: “There are a number of explanation why individuals could also be seeing a distinct quantity than they anticipated. If just one partner modified an handle or checking account, the opposite partner’s half may very well be going to the outdated handle or checking account. In these situations, the total fee will nonetheless be distributed. Month-to-month fee quantities may also change relying on just lately processed tax returns.”

The IRS may have used your 2019 tax return to find out your eligibility for this 12 months’s credit score. As soon as the IRS processes your 2020 tax return, it should routinely regulate your advance month-to-month funds. For those who did not file your taxes or use the Child Tax Credit Non-filer Sign-up Tool by Oct. 15 so as to add your data and decide eligibility, the White Home has now arrange a new sign-up tool that can be out there till Nov. 15.

For those who did not get one among your checks, you should still get it with the following scheduled fee date after the IRS makes an adjustment. Mother and father with lacking funds this 12 months ought to anticipate their remaining checks to be bigger, as they are going to be unfold out over fewer funds.

One cause a father or mother might get much less cash is that if they fall out of the revenue bracket for the utmost quantity for month-to-month funds. Married {couples} submitting collectively incomes as much as $150,000 and single filers incomes as much as $75,000 can qualify for the total quantity. For those who make extra, the month-to-month verify is diminished by $50 for each $1,000 over the revenue bracket. So, when you earn $80,000 as a single filer, you might solely be eligible for as much as $200 monthly — relying on different eligibility elements. 


Some mother and father have not obtained July, August or September youngster tax credit score checks but. 

Sarah Tew/CNET

How can I contact the IRS about my youngster tax credit score questions? 

You’ll have questions on your youngster tax credit score eligibility, a lacking verify or adjustments to your data. Your first thought could also be to contact the IRS, however there’s restricted stay help as a result of tax return backlog, delayed stimulus checks and unemployment tax refunds. The IRS has not introduced a separate cellphone quantity for youngster tax credit score questions, however the principle quantity for tax-related questions is 800-829-1040. 

As a substitute of calling, it might be sooner to verify the IRS website for solutions to your questions. And keep in mind that the Replace Portal may help with eligibility, fee historical past and updating your private data on-line. 

Is it doable to cease the 2 remaining 2021 funds?

The kid tax credit score necessities are completely different from earlier years. For those who finally obtain more cash than you are eligible for, you may need to pay the IRS again. That is why it is vital to make use of the Youngster Tax Credit score Replace Portal to tell the IRS of adjustments to your family circumstances so changes will be made. 

It’s possible you’ll select to choose out of advance month-to-month youngster tax credit score funds to get one lump sum throughout tax time in 2022. It additionally stands out as the most secure choice to keep away from repaying the IRS when you’re ineligible for the month-to-month funds, particularly in case your revenue adjustments this 12 months. You should use the Youngster Tax Credit score Replace Portal to choose out of this system anytime. You may solely have to unenroll as soon as, and it’s best to be capable to reenroll later this month if you must. 

For those who or your partner unenrolled from the kid tax credit score program however nonetheless received the cash, it is doable you did not choose out in time. You want to take action at the very least three days earlier than the primary Thursday of the month as a result of it takes as much as seven calendar days to course of the request. The following unenrollment deadline is Nov. 1. Be aware that when you file taxes collectively, both parents need to unenroll. In any other case, the partner who would not choose out will obtain half of the joint fee. 

Listed here are the deadlines for unenrolling:

Remaining youngster tax credit score opt-out deadlines

Cost date Unenrollment deadline 
Nov. 15 Nov. 1
Dec. 15 Nov. 29

The IRS will ship a discover (Letter 6419) nearer to tax time in 2022 with the adjusted credit score quantity primarily based on the advance funds already disbursed to you. Maintain on to this letter since you’ll want it while you file your 2021 revenue tax return if you need to return part of your payment. For those who obtained the three youngster tax credit score funds however are ineligible, it is best to choose out of the final two checks by Nov. 1.

How can I replace my mailing handle or direct deposit data earlier than the following verify arrives? 

The deadline to replace banking and mailing data forward of the November verify is Nov. 1. The IRS recommends utilizing direct deposit to get future funds extra rapidly. Eligible mother and father who’ve banking data on file from stimulus checks or tax refunds with the IRS ought to have obtained cash by way of direct deposit. If the IRS would not have your account data, you may submit it utilizing the Child Tax Credit Update Portal for November’s fee. Any adjustments after this date will not happen till the December advance verify. 

For those who do not add your banking information in time, look out for a verify mailed to the handle that the IRS has on file for you — similar to a mailed tax refund. And the excellent news is you can now use the Replace Portal to update your mailing address. The IRS plans to proceed increasing the performance of that portal so you’ll replace your revenue and variety of children within the close to future. 

For those who’re ready in your fee and the portal says it is “Pending,” maintain holding on. A verify ought to be coming your approach quickly by way of direct deposit or mail. After per week, you may attempt to contact the IRS, or ultimately do a fee hint.

We’ll proceed to replace this story with new details about instrument updates, the kid tax credit score program and monitoring your funds. Check out how joint child custody impacts the kid tax credit score as effectively.

https://www.cnet.com/personal-finance/taxes/why-didnt-i-get-my-child-tax-credit-payment-heres-how-to-track-your-check/ | Why did not I get my youngster tax credit score fee? This is monitor your verify


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