Quick overview of the IRS $1,390 direct deposit relief for February 2026
The IRS has announced a $1,390 direct deposit relief payment to go out in February 2026. This article explains the latest updates, who may qualify, when payments are expected, and practical steps to check payment status and update your information.
Read the guidance below to prepare and avoid delays in receiving your funds.
IRS Announces $1,390 Direct Deposit Relief for February 2026 — Latest updates
The IRS released an initial schedule with planned processing windows and guidance for direct deposit recipients. Payments will be delivered electronically to qualifying bank accounts when the agency has current banking information on file.
Key points from the announcement include a February 2026 payment window, prioritization rules for certain benefit recipients, and instructions for those who need to update their deposit details.
What the IRS says about timing
The IRS expects to begin issuing direct deposits in mid-February 2026 and continue in batches through the month. Direct deposits will arrive faster than mailed checks for most recipients.
Exact delivery dates depend on processing batches, the banking network, and when the IRS receives finalized eligibility lists.
Who will get the $1,390 payment
The IRS is targeting households that meet specific eligibility rules. Common categories likely included are low- and moderate-income taxpayers, Social Security beneficiaries, and others who meet income and filing criteria.
The IRS will publish detailed eligibility thresholds and any income phaseouts. If you filed a 2024 or 2025 tax return, the agency may use that return to verify eligibility.
Eligibility rules for the $1,390 direct deposit relief
Official IRS eligibility will be set in the program guidance, but here are practical eligibility points to watch for now.
- Citizenship and residency: Recipients generally must be U.S. citizens or qualifying resident aliens.
- Income limits: Expect income-based limits or phaseouts. Check the IRS release for exact thresholds.
- Filing requirement: The IRS may use recent tax returns or SSA records to confirm eligibility.
- Benefit recipients: Social Security, SSI, and veteran benefit recipients often receive automatic deposits when they qualify.
Always confirm your specific situation on IRS.gov once the agency posts the final rules.
How payments are determined
Payments are typically calculated per eligible adult or household according to the program design. The IRS will apply verification checks before releasing funds.
If your household qualifies, the deposit amount is scheduled to be $1,390 per eligible unit as announced.
When payments are expected and how to check status
The IRS advised that direct deposit payments will begin in mid-February 2026 and continue in waves. If you are set up for direct deposit with the IRS or SSA, you should receive funds faster than by mail.
Use these steps to check and prepare:
- Visit IRS.gov for the official payment schedule and status tools.
- Use the IRS payment status tool (if available) or the “Get My Payment” feature to track deposits.
- Verify your bank account and routing information with the IRS, SSA, or by filing an updated tax return.
What to do if you don’t receive the deposit
If the deposit does not arrive by the end of February, take these actions:
- Confirm your bank account on file with the IRS or SSA.
- Check for IRS notices in mail or messages in your IRS online account.
- Contact the IRS helpline or use online tools for payment status and next steps.
The IRS often issues direct deposit payments in several processing waves. If your banking info is current, direct deposit is usually faster and more secure than a paper check.
How to update direct deposit information
Keeping your banking details current is essential to receive payments on time. The IRS may accept deposit info from your most recent tax return or from administering agencies such as the Social Security Administration.
Common ways to update information include filing a tax return with current bank details, contacting SSA for benefits accounts, or using IRS online account features where available.
Practical checklist before payment runs
- Confirm your last filed tax return includes correct direct deposit info.
- Check your IRS online account for notices or messages.
- Ensure your bank account is open and can receive electronic deposits.
- Have your Social Security or benefit account info updated if you receive federal benefits.
Real-world example: A simple case study
Case: Maria, a single parent in Ohio, filed her 2025 return electronically with direct deposit information. In January 2026 she verified her IRS online account and saw a notice that her application for relief was approved.
Result: Maria received the $1,390 direct deposit on February 18, 2026. Because her deposit information was current, the payment posted quickly and avoided mail delays.
Takeaway: Filing accurate tax returns and keeping an IRS online account can speed up delivery of direct deposits.
Final steps and tips
Keep records of your tax filings and any IRS notices. If you expect the $1,390 payment, verify eligibility rules and act promptly to update banking details if needed.
Check IRS.gov frequently in February 2026 for confirmed dates, eligibility publications, and tools to track your payment. If something seems incorrect, contact the IRS or your bank as soon as possible.
For the most reliable and current information, rely on official IRS announcements and the IRS website rather than third-party sources.