The IRS has confirmed a one-time direct deposit payment of $1,390 scheduled for November 2025. This article explains clear eligibility rules, the payment timetable, and exactly what taxpayers should do to receive the payment with minimal delays.
IRS Confirms $1,390 Direct Deposit Relief for November 2025: Overview
The IRS announced a targeted relief payment of $1,390 to eligible taxpayers in November 2025. The payment will be sent via direct deposit when the agency has current bank information on file, and by paper check or prepaid debit card for those without direct deposit info.
This payment is separate from regular tax refunds and other credits. It is intended to provide short-term financial assistance to qualified individuals based on criteria set by legislation and IRS guidance.
Who is eligible for the $1,390 direct deposit relief?
Eligibility is limited and depends on income, filing status, and prior benefit records. The main eligibility points are:
- U.S. citizens or resident aliens with a valid Social Security number.
- Adjusted gross income (AGI) below the thresholds set by the program — typically tied to single, head of household, and joint filers.
- Not claimed as a dependent on someone else’s return.
- Filed a 2023 or 2024 federal tax return if required, or used an IRS non-filer tool when eligible.
Some non-filers who receive federal benefits or are enrolled in certain government programs may also qualify without a recent tax return.
How the IRS determines who gets the payment
The IRS matches records from recent tax filings and federal program data. If a person’s information matches the eligibility rules, the IRS schedules a payment using the payment method it has on file.
People with changes in income or household status should review IRS guidance to understand how changes could affect eligibility.
Payment Schedule and Delivery Methods
The IRS will issue the $1,390 relief payment in November 2025. Delivery depends on the contact and bank details the IRS holds.
- Direct deposit: Sent to the bank account on file. This is the fastest method and typically clears within 1–3 business days after initiation.
- Paper check: Mailed to the address on the most recent filing. Delivery can take several weeks.
- Prepaid debit card: Sent to qualifying recipients who do not receive electronic deposits or checks.
Exact calendar dates will be published by the IRS. Expect a phased release: high-priority groups first, followed by other qualifying taxpayers.
What Taxpayers Must Do to Receive the Payment
To make sure you receive the $1,390 payment smoothly, follow these practical steps. Each step takes only a few minutes and can prevent delays.
1. Verify or update your bank account
If you want direct deposit, ensure the IRS has your current account number and routing number. Use IRS online tools or file Form 8888 if needed. Double-check bank details before November to avoid misdirected payments.
2. Confirm your mailing address
If you receive paper checks, confirm the address on your most recent tax return. Update your address with the USPS and file an amended return if your mailing address has changed since filing.
3. Check your eligibility details
Review your 2023 or 2024 tax return for income and dependency claims. If you were a non-filer but received benefits, confirm whether you used an IRS non-filer registration tool previously.
4. Monitor IRS notices and the online portal
Watch for official IRS notices by mail or alerts in your online account. The IRS will publish FAQs and timelines. Use the IRS online payment status tool when it becomes available to confirm deposit arrival.
What to Do If You Don’t Receive the Payment
If you expected the $1,390 payment and it does not arrive by the end of the IRS window for your group, take these steps:
- Check your IRS online account for payment status and reason codes.
- Confirm bank account numbers and mailing address are accurate.
- Call the IRS only if the online tools and mailed notices do not explain the issue. Expect long wait times; use the online tools first.
- If your payment was lost in the mail, request a trace through the IRS guidance for missing checks.
Keep documentation of your tax filings and any IRS notices, as these help resolve disputes faster.
Case Study: Real-World Example
Maria, a single filer with 2024 AGI below the eligibility threshold, had direct deposit on file from her 2024 return. She confirmed her bank details in October and received the $1,390 deposit five business days after the IRS sent the batch for her group.
By contrast, Jamal had moved and not updated his address. His payment was issued by paper check and was delayed. After filing an address update with the USPS and contacting the IRS trace unit, Jamal received a stop-payment on the lost check and was issued a replacement.
Common Questions and Final Tips
- Will I owe taxes on this payment? Generally, this type of relief is not taxable, but confirm with IRS guidance or a tax advisor for specific scenarios.
- Can I get the payment if I didn’t file in 2023 or 2024? Some non-filers who registered through IRS tools or who receive federal benefits may still be eligible.
- How will I know the payment method? The IRS will show the method in your online account or via mailed notice.
The IRS often issues relief payments in multiple waves. If you miss the first wave, your payment may arrive in a later batch without extra action.
Follow the steps above to reduce delays and check the IRS website regularly for official updates and exact release dates. Keeping your tax and contact info current is the fastest way to ensure you receive the $1,390 direct deposit relief in November 2025.
If you are unsure about eligibility or the tax treatment of this payment, consult a tax professional or the IRS help center for personalized guidance.
