In early October 2025, millions of Americans could see a surprise deposit: $1,390 directly into their bank accounts. The IRS is rolling out a new relief payment to ease inflation pressures and help households coping with rising costs. This article walks you through who qualifies, when to expect it, and what you should do to make sure you don’t miss out.
Why This Relief Payment Matters
- Immediate support — With costs for groceries, utilities, and healthcare still rising, this direct deposit could make a real difference in people’s lives.
- Fast and digital-first — Rather than paper checks, the IRS is using direct deposit where possible to speed delivery and reduce errors.
- Stimulates local economies — When families spend this relief money, it gives small businesses and communities a boost.
Who Is Eligible for the $1,390 Relief Payment
Eligibility is based largely on 2024 tax returns and benefit records. The main criteria include:
| Filing Status / Group | Eligibility Thresholds / Conditions |
|---|---|
| Single filers | AGI (Adjusted Gross Income) up to $75,000 |
| Married joint filers | Combined AGI up to $150,000 |
| Heads of household | AGI up to $112,500 |
| Seniors, veterans, benefit recipients | Automatically included if receiving Social Security, SSI, or VA benefits |
| Dependents | Additional amounts may be provided based on eligible dependents |
No separate application is needed. The IRS will use existing tax and benefit data to process payments automatically.
When Will the IRS Send the Payments?
The release will follow a phased schedule in October 2025:
- Direct Deposit: October 3 – October 10
- Paper Checks: October 15 – October 25
- Prepaid Debit Cards: October 20 – October 30
If the IRS already has your direct deposit details, expect your payment early in October. Paper checks and debit cards may take longer due to mailing.
How to Ensure You Receive the Payment
Here’s what you can do now:
- Confirm your direct deposit info with the IRS is correct.
- File any outstanding 2024 tax return immediately if you haven’t yet.
- Review your dependent details to make sure amounts are accurate.
- Once live, use the “Get My Payment” portal (launching around September 30, 2025) to track your payment status, update bank details, or confirm your eligibility.
Quick Tips to Maximize Your Benefit
- If you don’t normally file taxes but receive Social Security, SSI, or VA benefits — the relief will still reach your account automatically.
- Don’t rely on paper mail unless necessary — direct deposit is faster and safer.
- If you miss the payment window, keep records and contact the IRS after the roll-out period ends.
FAQs
Will I need to pay taxes on this $1,390?
No — this is a tax-exempt relief payment and will not count as taxable income.
What if I didn’t file taxes in 2024?
File your return as soon as possible or use the IRS non-filer tool (when available) to establish eligibility.
How do I check my payment status?
Use the “Get My Payment” tool (when live) to view your status, expected deposit date, or update bank info.
What if my direct deposit gets rejected?
If your account info is invalid, the IRS may issue a paper check instead. Be sure your bank details are accurate in IRS records.
Can dependents get money, too?
Yes — extra amounts will be included for eligible dependents in qualified households.
Conclusion
A $1,390 direct deposit relief payment could bring much-needed financial breathing room to many Americans in October 2025. While you don’t need to take extra steps in most cases, confirming your IRS records and staying proactive ensures you won’t miss out. Keep an eye on the Get My Payment portal, file your taxes on time, and double-check your bank details. When that deposit hits, use it wisely — bills, medical needs, or emergency savings — and let it give you some welcome relief during challenging times.
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