The Internal Revenue Service (IRS) has confirmed a $1,390 direct deposit relief payment that will begin rolling out in August 2025. This one-time, tax-free financial aid is designed to support low- and middle-income households facing rising living costs caused by inflation.
If you’re wondering whether you qualify, how to claim it, and when the money will arrive, this guide breaks it down in simple terms.
What Is the $1,390 Relief Payment?
The $1,390 relief payment is a federal initiative that works much like previous stimulus checks. It’s a one-time, tax-free payment aimed at helping Americans pay for essentials like groceries, rent, utilities, and medical costs.
Unlike some programs, it does not affect benefits such as Medicaid, SNAP (food stamps), or housing assistance. The IRS is handling the rollout to ensure quick and secure distribution.
Key Features of the Relief Payment
Here’s a quick overview of what you need to know:
| Feature | Details |
|---|---|
| Amount | $1,390 (one-time payment) |
| Taxable? | No, it’s completely tax-free |
| Application Needed? | Not for most; automatic for recent tax filers and benefit recipients |
| Start Date | August 2025 |
| Delivery Methods | Direct deposit, paper check, or prepaid debit card (EIP card) |
Who Qualifies for the $1,390 Payment?
The IRS has set clear eligibility rules. The payment mainly targets low- and middle-income households as well as people receiving federal benefits.
Income-Based Eligibility
- Single filers: $75,000 or less
- Married couples (joint): $150,000 or less
- Head of household: $112,500 or less
Federal Benefit Recipients
You may qualify even if your income is higher, as long as you receive:
- Social Security (retirement, SSI, SSDI)
- Veterans Affairs (VA) benefits
- Railroad Retirement benefits
Other Eligibility Notes
- Families may get additional funds for dependents (amount to be confirmed).
- Non-tax filers who get federal benefits are still eligible.
- Some groups, like dependent college students (ages 19–24) or recent widows/widowers, may also qualify under specific rules.
How to Claim the $1,390 Relief Payment
For most people, no application is needed. The IRS will automatically send your payment using information from your most recent tax return or benefit records.
Automatic Payments Apply If You:
- Filed a 2023 or 2024 tax return
- Receive Social Security, SSI, SSDI, VA, or Railroad Retirement benefits
Non-Filers: Use the IRS Non-Filer Tool
If you don’t file taxes and aren’t on federal benefits, you’ll need to use the IRS Non-Filer Tool (expected to launch before August 2025). This tool will collect your basic information like name, address, and bank account details.
Quick Claim Guide:
| Situation | Action Needed? |
|---|---|
| Filed recent taxes | No, payment is automatic |
| Receive federal benefits | No, payment is automatic |
| No taxes filed, no benefits | Yes, use IRS Non-Filer Tool |
When and How Will the Payment Arrive?
Payments will be rolled out in phases starting August 2025:
- Direct Deposit: Begins August 18, 2025 (fastest delivery).
- Paper Checks: Mailed starting September 1, 2025.
- EIP Debit Cards: Sent starting September 15, 2025 in plain envelopes from “Money Network Cardholder Services.”
The IRS will also update its “Get My Payment” tool to help you track your payment status, delivery method, and eligibility.
Is the $1,390 Relief Payment Taxable?
No. The payment is 100% tax-free and will not be counted as income. It also will not impact eligibility for benefits like:
- Medicaid
- SNAP (food stamps)
- Housing assistance
How to Use the $1,390 Payment
There are no restrictions on how you spend the money, but the IRS suggests prioritizing essentials such as:
- Rent or mortgage payments
- Utilities (electricity, water, gas)
- Groceries and medical expenses
- Childcare or school costs
- Paying down debt
Avoiding Scams
With new relief payments, scammers often try to take advantage. Remember:
- The IRS will never ask for payment to release your check.
- They will not send texts or emails with links to “claim” your money.
- Never share personal or bank details outside of IRS.gov or official portals.
If you suspect fraud, report it directly to the IRS.
What If You Don’t Receive Your Payment?
If you haven’t received your payment by December 31, 2025:
- File Form 3911 to trace your payment.
- Claim it as a Recovery Rebate Credit on your 2025 tax return.
Will There Be More Payments in 2025?
Currently, the $1,390 relief payment is a one-time effort. While no additional payments are confirmed, the government may consider more aid if inflation continues.
FAQs About the $1,390 IRS Relief Payment
1. Do I need to apply for the payment?
No, it will be automatic for most tax filers and benefit recipients.
2. When will the money arrive?
Direct deposits start August 18, 2025, followed by paper checks and debit cards in September.
3. Is the payment taxable?
No, it’s tax-free and won’t reduce your benefits.
4. Can non-filers get the payment?
Yes, but you may need to use the IRS Non-Filer Tool if you’re not on federal benefits.
5. What if I don’t get my payment?
File Form 3911 or claim it as a Recovery Rebate Credit on your tax return.
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