Economic Impact Payments (Stimulus Checks) FAQs


Am I eligible for an economic impact payment?

Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible.

Eligible taxpayers who filed tax returns for either 2019 or 2018 and provided direct deposit information will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples - no additional action required. Parents also receive $500 for each qualifying child. Social Security recipients who are not typically required to file a tax return do not need to take action. You will receive your payment directly in your bank account where you receive your Social Security benefit. If you typically receive a paper benefit check, you'll want to visit the IRS portal to provide your direct deposit information to get paid as quickly as possible.

If you’re not typically required to file taxes and don’t receive Social Security benefits, you’ll need to file a simple return with your banking information. Visit for more information.

The eligibility for, and amount of stimulus payments, will vary according to your income and family situation, but you can find examples of the various scenarios here.

Source: U.S. Treasury


The IRS does not have my direct deposit information.  What can I do?

The IRS has developed a web-based portal for individuals to provide their banking information online. You'll need to visit the portal and provide your bank account number and routing number so that you can receive a payment directly to your bank account. Otherwise, you'll have to wait for a check in the mail.

Source: IRS


I receive Social Security and do not file a tax return, do I need to take any action?

No, Social Security recipients who are not typically required to file a tax return do not need to take action. You will receive your payment directly in your bank account where you receive your Social Security benefit. If you typically receive a paper benefit check, you'll want to visit the IRS web-based portal to provide your account number and routing number to get paid as quickly as possible.


When will the payment arrive?

The Treasury Department began sending direct deposit payments mid-April. Direct Deposit payments will most likely arrive first.

The IRS has a web-based portal for individuals to check the status of their payment and/or provide their banking information online so that individuals can receive payments directly to their account if their payment has not already been sent as a check through the mail.

If you have yet to file a tax return for 2018 or 2019, you should file one now. The IRS will be sending out direct deposits weekly as they process additional tax filings.

For those concerned about visiting a tax professional or local community organization in person to get help with a tax return, keep in mind that economic impact payments will be available throughout the rest of 2020.


I cannot find my payment. Where was it deposited? 

You will get a paper notice in the mail within a few weeks after your payment has been sent. The notice will contain information about where the payment was sent (either the mailing address for a paper check or the bank account number for a direct deposit) and in what form it was made. If you cannot locate the payment and have not received a paper notice, then check the web-based portal for the status of your payment as it may still be processing. The IRS has an online portal for economic impact payments. The portal will allow taxpayers, once authenticated, to find out the status of their economic impact payments and, if no payment or check has been issued, they can provide their banking information for direct deposit.


Are the payments taxable?

No. Economic impact payments are federal income tax refunds and are not subject to federal income tax.

Source: Congressional Ways and Means Committee


What’s the fastest method to receive my payment?

For eligible recipients, the fastest way to receive your payment is to make sure you’ve filed a tax return for 2019 or 2018 that includes your direct deposit information so the government can send the money directly to your account. You can also go to the IRS Non-Filers page to enter your payment information to receive a payment.


I received a paper check, but I can’t make it to a branch. How do I deposit it?

If you can’t visit a Mocse branch location to deposit the check, you have a few options to make a deposit.

Make a deposit remotely using our Mobile Banking app and the deposit checks feature.

  1. Open the Mocse Mobile Banking app

  2.  Navigate to Deposit

  3.  Sign the back of the check and write “for deposit only at Mocse”

  4. Select the account to receive the deposit, enter the amount and tap Take Photo

  5. Take photos of the front and back of the check with your smartphone

  6. After confirming the details, tap Make Deposit


To deposit a check by mail, endorse the check by signing it and writing "for deposit only at Mocse" on the back, and write your account number under the endorsement.  Please note:  Be sure to include this information, without it we may not be able to locate your account and process your check.  You can then mail it to Mocse Credit Union, 3600 Coffee Road, Modesto, CA 95355.


Visit a CO-OP ATM that accepts deposits nearby, by clicking here and inputting your Zip Code.


Does Mocse charge a fee to cash my economic impact check?

No, Mocse is waiving all check-cashing fees for economic impact payments.

Please note, at the time of this writing, the CDC recommends staying at home. We are encouraging customers to follow this advice by signing up to receive your payment electronically. If you think you are going to receive a paper check, you’ll need to visit the web-based portal to learn how to update the IRS with your direct deposit information. Visit to learn more.


Need help finding your account or routing number?

The first set of numbers on the bottom of your check is our nine digit routing number 321173470.
The next set of numbers following our routing number is your account number.
If you don’t have a check handy, you can find the account number on your statements.  


I don’t have mobile banking, how do I sign-up?

Mocse makes signing up for Mobile Banking fast and easy. Just follow these steps to get started.

  1. Download the Mocse Mobile Banking app

  2. Answer a few questions and input a one-time security code to verify your identity

  3. Create a username and password

  4. Accept the terms and condition



How do I avoid fraud and scams?

The IRS and its Criminal Investigation Division are reporting a wave of new and evolving phishing schemes (scammers who send emails with links to steal personal information that look like they come from legitimate sources) related to COVID-19. Be aware of the tactics fraudsters may deploy, such as:

  • Emphasizing the words "Stimulus Check" or "Stimulus Payment." The official term the IRS is using is, “Economic Impact Payment (or “EIP”).”

  • Asking you to sign over your economic impact payment check to them.

  • Asking by phone, email, text or social media for verification of personal and/or banking information saying that the information is needed to receive or speed up your economic impact payment.

  • Suggesting that you can get a tax refund or economic impact payment faster by allowing them to work on your behalf. This scam could be conducted by social media or even in person.

  • Mailing you a bogus check, perhaps in an odd amount, then telling you to call a number or verify information online in order to cash it

If you receive unsolicited emails, text messages or social media attempts to gather information that appears to be from either the IRS or an organization closely linked to the IRS, such as the Electronic Federal Tax Payment System (EFTPS), the IRS is asking that you forward it to


Are there additional resources available to help me avoid scams?

Here is a list of additional resources to avoid scams, fraud and identity theft:

Remember, if you suspect you have been a victim of any type of fraud, please contact the credit union immediately at the numbers listed below.