3 reasons you haven’t received a child tax credit payment and what to do about it

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

Sarah Tew/CNET

With eligible US families in search of their second child tax credit payment on Friday by direct deposit and by way of the mail, there are nonetheless some which are ready for that first payment. Or in the event that they acquired a examine, it was the unsuitable quantity. And different households with an immigrant partner have reported not getting their payment due to an IRS glitch. If you fall beneath considered one of these circumstances, learn how a lot you ought to get with our child tax credit calculator.

Another potential concern is the child tax credit is getting disbursed on a month-to-month foundation this 12 months, so the IRS is utilizing the newest tax return on file. That may pose a downside if your loved ones by no means submitted a tax return, or if the tax info is now outdated due to a new child or a change in earnings. It is also a easier concern of the IRS not having your appropriate banking info. If that is the case, we will present you how to repair it utilizing the IRS portals, though it could also be too late for the August payment. 

The IRS Update Portal permits you to examine your payment historical past, confirm eligibility and unenroll from the month-to-month checks if you’re apprehensive about owing money to the IRS subsequent 12 months. 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 frequent child tax credit issues, together with if you suppose you want to file a trace for a lacking payment. We have not too long ago 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 received your payment, there might be a variety of reasons why. If you filed your taxes, examine 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, be sure all the knowledge 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 every thing appears 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’s been at the very least 5 days because the scheduled deposit date, or 4 weeks because the payment was mailed by examine.

Reasons you did not get a child tax credit payment

The downside 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 as it may take a number of days.
You cannot discover any purpose 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 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 could not have essentially the most up to date info, 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 examine. 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’s definitely potential the company may have made a mistake. For occasion, some individuals who weren’t certified for the stimulus checks nonetheless received payment.

If you’re completely constructive you’re not eligible for the improved child tax credit funds however you acquired 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 following deadline to decide out of the month-to-month funds is Aug. 30. This will assist forestall you from having to pay again extra money 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 are not 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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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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