IRS child tax credit portal: How to use it to opt out, set up direct deposit and more

The IRS portals enable dad and mom to handle their child tax credit funds this summer season and in a while. 

Sarah Tew/CNET

Nearly 60 million child tax credit payments went out Wednesday to qualifying families. Now, you’ll be able to use the IRS portals to handle your funds, and add your direct deposit info in case your first test is arriving within the mail. You also can opt out of future monthly payments to get one fee subsequent yr. Later this summer season, you may have the option to make modifications within the portal to the variety of dependents you’ve, your marital standing, revenue and reenroll when you opted out.

You’ll get the month-to-month funds till December, with the remaining arriving subsequent yr. Eligible households will get up to $3,000 whole for every child between ages 6 and 17, and up to $3,600 whole for every child 5 and youthful. 

The two IRS portals are there to assist be sure you get the cash that owed to you — use CNET’s calculator to see how a lot you need to get. You’ll want to create an account to use the portals. You also can see how the child tax credit will affect your taxes in 2022. We make common updates to this story. 

Everything you are able to do with the IRS portals

Most households that qualify for the expanded credit do not want to take any motion if they need the advance funds this yr. If you already filed a 2019 or 2020 federal revenue tax return (or used the nonfiler device in 2020 to register for a stimulus fee), you may get the credit mechanically. And the credit is nonrefundable, so you do not want revenue to get it. 

The on-line instruments are helpful for a wide range of causes. Here’s how they assist dad and mom with eligible dependents: 

  • The Child Tax Credit Update Portal allows you to confirm that your loved ones qualifies for the credit and opt out of receiving any funds in 2021. (The subsequent deadline to opt out is Aug. 2.) You also can use it to present the IRS together with your direct deposit info — if the IRS would not have your banking info on file, you may doubtless get a test within the mail. In the approaching months. you may use this portal to view your fee historical past, replace your mailing deal with and inform the IRS on modifications in household standing, dependents and revenue. 
  • nonfilers’ portal allows you to present the IRS with primary details about your self and your dependents when you usually aren’t required to file a tax return. The device is meant to assist low-income households register for the funds.
  • The Child Tax Credit Eligibility Assistant may also help you establish whether or not you qualify for the advance child tax credit funds.

What different toolkits and sources can be found now? The IRS recurrently updates its child tax credit FAQ page. The White House has launched a website for the child tax credit that gives an FAQ for households, particulars about eligibility and more downloadable info.

Unenroll from month-to-month checks from August by December

The Child Tax Credit Update Portal now allows you to opt out of receiving the month-to-month child tax credit funds. That implies that as an alternative of receiving month-to-month funds of, say, $300 in your 4-year-old, you’ll be able to wait till submitting a 2021 tax return in 2022 to obtain the $3,600 lump sum. 

To accomplish that, go to the Child Tax Credit Update Portal and faucet Manage Advance Payments. You’ll then want to sign in with your IRS username or account. (You can create one on the web page if you do not have one.)

After you check in, when you’re eligible, you may see an possibility to opt out of the funds.

You can unenroll at any time, however be aware that you will need to opt out at the least three days earlier than the primary Thursday of the month you are opting out of. At this level, the IRS says unenrolling or opting out is a one-time motion — and you will not have the option to opt again in till late September. For the approaching July 15 fee, you had to opt out by June 28. The subsequent unenroll deadline is Aug. 2.

You might want to unenroll within the advance month-to-month fee program since you’re anticipating your circumstances to change or if the partial month-to-month funds will intrude in tax planning. Families that normally owe cash to the IRS once they file their taxes might want to as an alternative use the complete credit subsequent yr. Or you may select a bigger payout in case your family is saving for a giant expense subsequent yr. 


There is not any cap on the variety of youngsters per family who can qualify for the credit. 

Sarah Tew/CNET

If you have not but, signal up with the nonfiler device when you do not normally file taxes

The child tax credit Non-filer Sign-up Tool is a manner for many who aren’t required to file a tax return to give the tax company primary info on their dependents. This device can be utilized by low-income households that earn too little to have filed a 2020 tax return however that want to notify the IRS of qualifying youngsters born earlier than 2021.

With the nonfiler device, you may have the option to electronically file a easy tax type with the IRS with sufficient info for the company to decide your loved ones’s eligibility for the advance child tax credit funds. You should not use this device if you’re required to file a tax return however simply have not but. Also, do not use this device when you truly filed a 2020 tax return or when you claimed all of your dependents on a 2019 return.

To use the tool, households will need to have a main residence within the US for more than half the yr. To register, dad and mom ought to have their private particulars readily available, together with an e mail deal with, Social Security numbers for dependents and a checking account routing quantity. 

Heads-up: The IRS recommends utilizing the portal on a laptop computer or desktop pc, not on a cellphone. While the device is just not mobile-friendly, in accordance to the Washington Post, you’ll be able to entry it from a browser in your smartphone. In addition to requiring an e mail deal with, you want to know your submitting standing and different tax-related info, which as a nonfiler, you could not have available. The device can be not obtainable in Spanish. (We’ve contacted the IRS in regards to the device being obtainable in languages apart from English.)

The IRS offers some steering on how to fill out the form as a nonfiler. Note that it can take up to 48 hours for the IRS to affirm your e mail deal with — and one other 48 hours after submitting your info for the IRS to settle for it.

1. To get began, create an account when you do not but have one. You’ll want an e mail deal with to affirm your info.

2. On the subsequent web page — named “Fill Out Your Tax Forms” — enter your info, together with your submitting standing and particulars about dependents. Because this portal is an replace to the tool nonfilers used to claim stimulus checks, you’ll be able to add details about these funds, known as “Recovery Rebate Credit” on the shape. Add your banking info to obtain your funds electronically as an alternative of within the mail. Tap the Continue to Step 2 button when prepared.

3. On this web page — named “E-File Your Tax Forms” — you may present your adjusted gross income, or AGI, and signal the shape electronically. (Here’s more on how to do that.) When achieved, faucet the Continue to E-File button to submit your info.

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The Eligibility Assistant can help you find out if you qualify

The new Child Tax Credit Eligibility Assistant allows families to answer a series of questions to quickly determine whether they qualify for the advance credit. This can be helpful for families who haven’t received a letter from the IRS confirming their eligibility. 

Update your direct deposit and bank details ASAP

Using the Child Tax Credit Update Portal, you can add your direct deposit information if the IRS doesn’t have it from a recent tax return. The IRS said it used what it has on file for the July 15 payment. If the IRS doesn’t have your bank account information, it will send the check in the mail.

Some Reddit users have reported they have direct deposit set up with IRS but their first checks are being mailed. That means you should use the portal to check if the IRS is using the your banking info. If not, you can add your direct deposit details for the August payment.

To receive the remaining payments to your account starting in August, add your direct deposit information using the portal by Aug. 2, the IRS said.

Let the IRS know of any other changes regarding your family

Later this summer, you’ll be able to indicate changes to any life circumstances since you last filed your taxes, such as a change in income, an addition to your family or child custody status. For example, if you started making more or less money this year, you’ll want to update the IRS about those changes so you can get the correct child tax credit amount.

If you had or will have a new baby this year, it’s important to let the IRS know so you can receive your payment for up to $3,600 for that child. The same applies if you adopted a child or if you gained a new child dependent since you last filed your taxes. 

Also, if you’ve gained full custody of your child, you’ll be the parent who receives the money for your kid. Note that parents who have shared custody will not each get a payment. This is important for domestic violence survivors, according to comments during an IRS oversight hearing by Nina Olson, executive director of the Center for Taxpayer Rights. The “change of circumstances portal should allow them to enter their change in marital status and also where the children are,” Olson said.

How to help those without a permanent address

The IRS is urging people to share information about the child tax credit with others who don’t have permanent addresses. By doing this, you’re helping make sure families receive the payments they’re eligible for. You can share information about the online portals and resources with them so they know about the programs to help them file a tax return. 

Read more on income requirements and age qualifications for the expanded child tax credit.

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