3 reasons you haven’t got a child tax credit payment and what to do

Some mother and father are seeing delays with their first child tax credit payment or incorrect quantities. 

Sarah Tew/CNET

Many eligible US families are making ready to obtain the second child tax credit payment on Friday by direct deposit and mail. However, some mother and father nonetheless by no means obtained the primary payment — or they did but it surely was the mistaken quantity. Other households with an immigrant partner have reported not getting their payment due to an IRS glitch. If you fall beneath one in every of these circumstances, learn the way a lot you ought to get with our child tax credit calculator.

Another potential situation is the child tax credit is getting disbursed on a month-to-month foundation this yr, so the IRS is utilizing the latest tax return on file. That might pose a drawback if your loved ones by no means submitted a tax return, or if the tax data is now outdated due to a new child or a completely different revenue. It is also a less complicated situation of the IRS not having your appropriate banking data. If that is the case, we will present you how to repair it utilizing the IRS portals, though it might be too late for the August payment. 

The IRS Update Portal permits you to verify your payment historical past, confirm eligibility and unenroll from the month-to-month checks if you’re frightened about owing money to the IRS subsequent yr. And heads up: To use the portal you may have to create an ID.me account if you haven’t already. Keep studying for solutions to widespread child tax credit issues, together with if if you suppose you want to file a trace for a lacking payment. We have lately up to date this story.

My household qualifies, however I did not get any cash. What occurred?

If you qualify for the improved credit however haven’t obtained your payment, there may very well be a variety of reasons why. If you filed your taxes, verify the Update Portal to see if payment is coming by mail. If so, give it a number of enterprise days to arrive. If you have direct deposit arrange, ensure all the data is correct. Note: If you haven’t arrange your banking particulars but, you ought to count on the July and August funds to come as paper checks.

If the whole lot seems appropriate however you nonetheless did not get a payment, you may have to file a payment hint with the IRS. To do that, you’ll want to full Form 3911 (PDF) and mail or fax it to the IRS. Only do this if it has been a minimum of 5 days because the scheduled deposit date, or 4 weeks because the payment was mailed by verify.

Reasons you did not get a child tax credit payment

The drawback What to do
You did not file a 2019 or 2020 tax return. Use the IRS nonfiler portal.
Your payment is coming within the mail. Give it time to arrive because it might take a number of days.
You cannot discover any motive why you did not get a payment. It could also be time to file a payment hint with the IRS.

I did not file a tax return, however my family is eligible for 2021 funds. What can I do?

The IRS is utilizing your 2019 or 2020 tax return to decide child tax credit eligibility. If you did not file taxes, you should still be eligible for advance funds — you’ll simply have to full an additional step. You can use the IRS nonfiler portal to register for future funds. If not, the IRS might not have probably the most up to date data, particularly if you’ve had a child since then. It’s finest to enroll as quickly as potential to begin getting funds if you qualify. 

The IRS portal says I’m not eligible, however the IRS despatched me a verify. Why?

With the IRS sending out hundreds of thousands of child tax credit funds, together with maintaining with income tax refunds and unemployment tax refunds, it is actually potential the company might have made a mistake. For occasion, some individuals who weren’t certified for the stimulus checks nonetheless obtained payment.

If you’re completely optimistic you’re not eligible for the improved child tax credit funds however you got a payment anyhow, you’ll want to return that cash to the IRS. Start through the use of the IRS Update Portal to unenroll from future paymentsthe subsequent deadline to choose out of the month-to-month funds is Aug. 30. This will assist forestall you from having to pay again more cash when you file taxes in 2022.

On the opposite hand, some members of a Reddit forum are reporting that regardless of the child tax credit portal exhibiting they don’t seem to be eligible, they do meet the necessities and did obtain their first payment. We’ve contacted the IRS for extra particulars on this example.

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Child tax credit: Everything we know


How will I know when my child tax credit payment is deposited into my bank account?

Aside from checking the IRS portal to see if it shows that your payment was issued, you can check your bank account for the deposit. According to the White House website, transactions will contain the company name “IRS TREAS 310” with a description of “CHILDCTC” and an amount for up to $300 per kid. Don’t get this deposit confused with those for stimulus checks, which show up as “TAXEIP3” when deposited. Also, if you’re waiting on a tax refund, it’ll show up as “TAX REF.”

Will I have to pay the IRS back in 2022 for any child tax credit money I receive this year?

If you’re eligible for the full amount of child tax credit money, you won’t have to pay it back. However, if you don’t qualify for the full amount because of a change in your income or number of dependents but receive the full amount anyway, you may need to pay back that extra money. 

The IRS is using what it calls “payment protection” so if you do receive an overpayment but fall below a set income level, you don’t have to pay back an overpayment. Above that income level, you will have to pay back some or all of the extra money. Here’s more on the income levels and how the payment protection works.


The next child tax credit check will be disbursed on Aug. 13. 

Sarah Tew/CNET

Will the enhanced child tax credit ever become permanent?

As of right now, the enhanced payments are for this tax year. That means after you get your final payment with your tax refund in 2022, the child tax credit will revert back to its original amount from previous years, which was lower. However, it’s possible President Joe Biden and Congress could come to an agreement to extend the payments in 2025 — or make the changes permanent. Last week, Biden said he is urging Congress to do just that: “I say to my colleagues in Congress: This tax cut for working families is something we should extend, not end, next year.”

While no decision has been made yet, we’ll keep you updated on the outcome.

For more information, here’s how to opt out of future child tax credit payments. Also, here’s how to track down your child tax credit payment if you didn’t receive it. Not sure you got the right amount? Use CNET’s child tax credit calculator to see how much you should get.

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