USAA Commuunity Stimulus Payments and How We Can Help.jpg


Updated January 18, 2021 


As many are still faced with challenges during the COVID-19 pandemic, USAA is continuing to process Economic Impact Payments (commonly referred to as stimulus payments) from the government as quickly as possible.


Just before the new year, the US government signed a bill approving a second round of Economic Impact Payments for Americans of up to $600 for individuals, up to $1,200 for married couples filing jointly and up to $600 per dependent child, based on earnings from your 2019 tax filing.


Status of Economic Impact Payments

At this time, USAA has processed all EIP direct deposit payments received to date. If any additional direct deposit payments are issued, we will continue to process them as we get them. 


If you have questions related to your eligibility for the Economic Impact Payment or the status of a payment, visit The IRS is advising those who expect a payment and don’t receive one to file their 2020 tax return electronically and claim the Recovery Rebate Credit on their tax return to get their payment and any refund as quickly as possible.


We’re continuing to provide full access to Economic Impact Payments for deposit account holders in good standing, even if those accounts have a negative balance.


Track My Payment

Setting up alerts through the mobile app or on is the best way to track your payment. Monitoring your account activity this way is also just a wise idea to help protect yourself against fraud on an ongoing basis. Log on to the mobile app or to set up alerts today.  


It’s expected that more Americans will receive paper checks than in the first round of stimulus payments, based on a number of factors. Even if you received a direct deposit in the past, you may receive a paper check or prepaid debit card from the IRS for current or future Economic Impact Payments. 


Deposit Paper Checks

If you receive a paper check, you can deposit it into your USAA account quickly and securely, without leaving home. Simply log on to the USAA mobile app, snap a photo of both sides of the check using Deposit@Mobile®1 and you’re done! Or, you can log onto using your computer and use Deposit@Home®. In most cases, your funds will be available right away.


Another option for depositing a paper check is via ATM with check depositing functionality. Use our ATM Locator to find one near you.


Find more information on USAA’s response to COVID-19, and how we’re focused on helping members and the community at


How Do the Elements of the New Coronavirus Response and Relief Supplemental Appropriations Act of 2021 Affect You?

Back in April, my colleague, JJ Montanaro, wrote about these unprecedented times in his excellent post on the CARES Act. Nine months later, the situation is even more complex. To help Americans get back on our feet, the president just signed a massive new bill – coming in at more than 5,550 pages. The new law combines fiscal year 2021 funding for the federal government with a $900 billion COVID-19 relief package. Since many of the benefits are extensions of the CARES Act (covered in JJ’s earlier article), I’ll focus on some of the important additions and changes stemming from this new law.


Key Updates for Individuals

  • Direct cash payments. For those eligible individuals and households, a new round of EIP payments is coming. Payments of $600 will be made to individuals making $75,000 per year or less, with pro-rated amounts paid to those making up to $87,000, and $1,200 payments will be made to couples making up to $150,000 per year based on their 2019 income, with pro-rated amounts paid to couples making up to $174,000. Individuals and couples will also receive up to $600 for each dependent.

  • Expanded unemployment benefits. The new law provides direct financial aid to hard-hit workers through the following benefits:
    • Direct payments of $300 per week through the Federal Pandemic Unemployment Compensation (FPUC) program to supplement all state and federal unemployment benefits, starting after December 26, 2020, and ending March 14, 2021.
    • Extension of the Pandemic Unemployment Assistance (PUA) program, which provides continued unemployment assistance to the self-employed, freelancers, gig workers, part-time workers and other individuals in non-traditional employment. The law also increases the number of weeks of PUA benefits an individual may claim from 39 weeks to 50 weeks.
    • Continuation of the Pandemic Emergency Unemployment Compensation (PEUC) program available to workers who have exhausted their regular state unemployment benefits, increasing the number of weeks available for PEUC benefits from 13 to 24 weeks.


  • Emergency rental assistance & eviction moratorium. For families impacted by COVID-19 and struggling to pay rent, the law establishes the new Emergency Federal Rental Assistance Program with funds to be distributed by state and local governments. The new measure includes assistance for past due rent and future rent payments, as well as utility and energy bills to prevent shutoffs. The law also extends the existing eviction moratorium in effect to Jan. 31, 2021.


  • “Payroll tax holiday” repayment. As you may recall, under the “payroll tax holiday”, participating employers were able to defer 6.2% of employees’ paychecks starting Sept. 1, through Dec. 31, 2020. The deferral was mandatory for military service members, Defense Department civilians and federal workers. Under the new law, employers will have until December 31, 2021 to recoup the deferred taxes. Spreading the repayment across a much larger number of pay periods should help minimize the short-term decrease in income for workers.


  • New provisions for small business. The bill includes $284 billion for the Small Business Administration Paycheck Protection Program (PPP) and extends the PPP through March 31, 2021. It provides the option of a second forgivable PPP loan for the hardest-hit small businesses and nonprofits, expands PPP eligibility and establishes dedicated set-asides for lending to underserved areas. Visit to learn more.

This wraps up a small glimpse of this comprehensive stimulus package. If you think you are affected by any of the provisions in this new bill, you’ll need to do your homework and seek appropriate tax and legal counsel as needed. Visit for more guidance.


About the Blogger: Robert Steen is a Certified Financial Planner® professional and is the Advice Director for Retirement & Complex Planning at USAA. He is responsible for developing USAA’s points of view regarding all aspects of retirement, estate and tax planning.


Eligibility for USAA Deposit@Mobile® and Deposit@Home® will be based on your account history with USAA Bank. Deposits may not be available for immediate withdrawal. USAA's Deposit@Mobile and Deposit@Home products, including the corresponding portions of this website or application, may be covered by one or more of the following United States Patents.



New Member

Is there anyone who can help me find out if my stimulus check got deposited into my husband's account? We have been separated for a while now and he is not giving me any information. Advice?

USAA Social Service
USAA Service
USAA Service

@Fed Up with This, I can see you're upset that your stimulus payment hasn't posted. I've forwarded your comments regarding this matter to the appropriate area. - Ben 

USAA Social Service
USAA Service
USAA Service

@1193lmcgThanks for reaching out to us. Due to security reasons, we cannot discuss account activity or details through social media or email. In addition, we are unable to make outbound calls. Please contact us using our secured chat on or mobile app. From the USAA website, you can chat with us by selecting "Reach a Representative", "Contact USAA" or "Ask USAA". From the USAA Mobile App, you can select "Help" and then "Get Contact Options". - Ben 

New Member

USAA closed my account, instead of waiting for the stimulus to cover my modest corona related overdraft. In 2022 it would have been a total of 10 years of using all their products, supporting the defense budget as the true patriot I am. I guess no coronavirus relief for me. I went on vacation for 3 weeks and came home to no bank account. TurboTax has always had problems linking up with all the interfaces it claims to. I don't trust they will pay me that money any time soon. Yikes. Thanks Obama! Maybe IRSgo will send? -__- 8 years of using USAA and they drop the ball when most needed. 

USAA Social Service
USAA Service
USAA Service

@Xiia, I regret to hear about the status of the account and the financial hardship this is causing for you. We will return the funds to the sender if an ACH credit is received for a closed account. You will receive a letter from the IRS within 15 days following the attempted payment with instructions on how to report the failure to receive the payment. I apologize for any inconvenience this may cause. Your concerns about this experience will be shared for the appropriate team. Thank you.- Rhonda  

New Member

Hello, the information you supplied to @Lchandler01 is incorrect.  The IRS on it's website states that if your account was Closed, they will not reissue payments.  They state nothing about sending any letter of instructions, but on the website tell taxpayers they can check the Recovery Rebate Credit box on their 2020 Tax filing to receive a credit for the $600.00.  I think this is so wrong because they took down the tool where could change the destination account information.  The IRS just don't want to part with the money even though it is Tax Payers money.


Like so many others, I checked on, and my first payment went to my USAA checking account. The second went to an unknown account number. I did not use H&R Block or TurboTax, I used Credit Karma for the past two years (2018 and 2019). 

There is no information available on or even when I call the IRS directly. Just some recorded message. We are suppsed to be able to Trace Payment, but there are NO instructions on how to do rent is due on the first and now I cannot afford it. I do not know what to do!

Has anyone else experienced a wall when trying to find out information on tracing a payment?

I can't even pay my USAA insurance bill.

USAA Social Service
USAA Service
USAA Service

@Digsy, Thank you for reaching out in our Community. I'm sorry you haven't received your deposit. USAA has processed all ACH stimulus payments/EIPs we have received at this time. If USAA receives additional ACH payments, we will continue to process them on a daily basis. Separately, the U.S. Treasury has started to issue checks on a weekly basis, and these should start to be received early January by some members for deposit into their accounts. is the official channel for information on receiving a second Economic Impact Payment and how it is received. Tricia


I'm new to USAA. I'm a retired Chief Petty Officer trying to get a loan for a new or used motorhome. I would to know how much of a loan can I get and what do I have to do to get it. I would really appreciate all the help I can get. Thank you.

USAA Social Service
USAA Service
USAA Service

Hi @YankeeTango52, welcome to USAA! We're honored to have you here. You can go about getting some information for motorhome loans in one of two ways. On your account, you can select Products at the top of the page, then Motorcycle, RV, and Boat loans under the Banking column.


You can also give us a call at 1-800-531-8722, and one of our friendly representatives will be happy to go over the process with you. You'll need to fill out a loan application, and we'll see what we can assist with. I hope this information helps, and thank you for your service! ~Holland