Millions of Americans are getting ready for a new round of federal relief as the IRS confirms a $1,390 direct deposit payment under the 2025 Recovery Adjustment Act. This one-time payment aims to support households still struggling with high prices, rising bills, and slow wage growth in 2024–2025.
Why This $1,390 Payment Was Approved
The government introduced this payment because many families continue to face financial stress from inflation. Rent, food, and electricity costs remain high, and this relief is designed to act as a smaller follow-up to earlier stimulus programs Americans received during the COVID years.
Quick Look Back at Previous Stimulus Programs
You may remember the earlier checks:
- $1,200 payment
- $600 payment
- $1,400 payment
This new $1,390 relief deposit is considered the next major support for households who did not receive full benefits before or who experienced new financial challenges in recent years.
Why This Payment Matters in Late 2025
With holidays approaching and living costs rising, a $1,390 deposit could help households pay rent, buy groceries, cover utilities, clear debt, or manage end-of-year expenses.
Who Is Eligible for the $1,390 Payment
To qualify for the 2025 relief payment, you must meet these requirements:
Income Requirements
- Single: 2024 AGI under $75,000
- Married filing jointly: 2024 AGI under $150,000
- Head of Household: Within eligible income limits
Automatic Eligibility
The following groups will receive the payment automatically:
- Social Security retirees
- SSI and SSDI beneficiaries
- VA disability recipients
Dependents
Families with dependents under 19 may receive an additional amount.
Non-Filers
People who did not file taxes must submit a simple 2024 tax return to claim the payment.
Payment Schedule for December 2025
The IRS has set the following estimated payment dates:
Direct Deposit (Bank Info Already on File)
Payments expected between November 12–14, 2025.
Social Security, VA, and SSI Recipients
Automatic deposits scheduled for November 19, 2025.
Paper Check Delivery
Paper checks will begin mailing from November 21, 2025.
New or Late Filers
Payments may arrive between December 2025 and January 2026.
How to Get Your Payment Faster
Follow these steps to avoid delays:
Update Your Bank Details
Make sure your bank information on IRS.gov is correct before November 1.
File Your 2024 Taxes
Even if you owe nothing, filing ensures you are in the system.
Use the IRS “Get My Payment” Tool
Tracking opens on November 5 on IRS.gov.
Important Facts About the 2025 Relief Program
- Around 92 million Americans will get the payment.
- Average amount: $1,390 per eligible household.
- Total cost of the program: $128 billion.
- About 80% of payments will be issued through direct deposit.
Tips to Avoid Scams and Payment Problems
- Only check your payment status on official IRS.gov pages.
- The IRS will never call asking for your Social Security number.
- Be cautious with text messages or emails claiming “instant approval.”
- Respond to real IRS letters—many people miss payments by ignoring them.
Frequently Asked Questions
Is this the 4th stimulus check?
Not officially, but many people are calling it that. The official name is 2025 Economic Relief Payment.
Is the payment taxable?
No, this payment is tax-free just like earlier stimulus checks.
What if I changed my address?
Update your address with both USPS and IRS to avoid losing your check.
Conclusion
The IRS has confirmed that $1,390 direct deposit relief payments are set to arrive starting in November, with many households receiving funds by early December 2025. If you meet the income limits or receive Social Security, VA, or SSI benefits, you’re likely eligible. Update your details early, track your payment on IRS.gov, and don’t miss out—this one-time relief doesn’t come often.