You’ve heard the news by now – the government is sending out stimulus checks as part of the federal response to the Coronavirus. Scammers will attempt to cash in on yours, so we’ve got a few facts about how stimulus payments work.   Here are some things to know: 

  1. You don’t need to do anything.   If you filed taxes for 2018 and/or 2019, the federal government already has the information it needs to send you a check.  Social Security recipients and railroad retirees who are otherwise not required to file a tax return also do not need to do anything to receive their money. If you otherwise have not filed taxes recently, you may need to submit a simple tax return to get your check. (More on who’s eligible here.)  
  1. Do not give anyone your personal information to “sign-up” for your relief check. There is nothing to sign up for. Anyone calling to ask for your personal information, like your Social Security number, PayPal account, or bank information is a scammer, plain and simple. Also be on the lookout for email phishing scams, where scammers pretend to be from the government and ask for your information as part of the “sign-up” process for the checks. 
  1. To set up direct deposit of your check, communicate only with the IRS at You only need to do this if you didn’t give the IRS your bank information on your 2018 or 2019 return. In the coming weeks, the IRS will be setting up an online form available through Do not respond to emails, texts, or calls regarding the stimulus payment. 
  1. No one has early access to this money. Anyone that claims to is a scammer. The timeline for this process is not exact, but it looks like funds will start going out in the next few weeks. Scammers are using the lack of detail to try to trick people into giving their personal information and money.  

To get official updates and more information, visit the IRS’s page on economic impact payments. And if you come across a scammer trying to take your check, the Federal Trade Commission wants to hear about it. Report it at  

Categories: security


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