Already filed your taxes and wondering if you are going to receive the child tax credit? The first payments went out July 15. If you are eligible, you should have received your payment automatically. Check your bank account to verify the deposit.

Questions about payments

I already filed my 2020 taxes. How do I get my Child Tax Credit payments?

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If you already filed your 2020 taxes, you should have received your first direct deposit payment automatically on July 15. Payments will be sent to your bank account on file with the IRS. If you don’t have an account on file, a check will be mailed to your address, which could take several weeks. If you need to update your bank account information, your address or information about your children, you’ll need to update your information with the IRS.

I filed my taxes, but I haven’t received my payment yet. What can I do?

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If you don’t have a bank account on file with the IRS, your payment will be sent via paper mail and may take several weeks to arrive. Direct deposit is the fastest way to get payments. First, check your tax return to see whether you gave the IRS your bank account information and, if so, that it is the correct bank account. If you need to add or update your bank account information, you can do that through the IRS update portal. If your account information is correct, you can also use the IRS update portal to double check to see if you are enrolled for payments. You’ll need an email address and photo ID if you haven’t already created an account with the IRS. Still have questions? Make a free no-contact or in-person appointment with one of our tax prep partners to get help.

I received my payment, but it is for the wrong amount. What can I do?

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First, check your 2020 tax return to see whether you claimed the correct number of children. You should receive $300 per month for every child under age 6, and $250 per month for every child age 6-17. Amounts are based on the age the child will be on Dec. 31. (Example: Your child is 5 years old now, and will turn 6 in October. You will receive $250 per month for this child, because they will be 6 years old on Dec. 31.) If you need to make changes to your dependent information with the IRS, you will be able to make those updates starting in late summer using the IRS update portal. We will update this page when this function is available. Still have questions? Make a free no-contact or in-person appointment with one of our tax prep partners to get help.

I don’t want to receive my Child Tax Payments monthly. I would prefer a single lump sum next spring. How do I do that?

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If you want to opt-out of monthly payments and instead receive a single lump sum when you file taxes in spring 2022, you’ll need to update your information with the IRS.

I want to set up a bank account so that I can receive direct deposits instead of having a paper check mailed to me. How do I do that?

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BankOn offers safe, low cost banking options. If you want local or one-on-one assistance, the City of Detroit’s Financial Empowerment Center can assist you in setting up a bank account.

I filed my 2019 taxes last year, but I haven’t filed 2020 taxes yet. What should I know?

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If you already filed your 2019 taxes, you will receive your Child Tax Credit payments automatically starting in July. Payments will be sent to your bank account on file with the IRS. Or, if you don’t have an account on file, you will get a paper check mailed to your address. If you need to update your bank account information, your address or information about your children, you’ll need to update your information with the IRS. We encourage everyone to file a 2020 tax return as well. It’s not too late to file! In addition to the Child Tax Credit, you may be eligible for the Earned Income Tax Credit or special Michigan tax credits like the Home Heating Credit and the Homestead Property Tax Credit. The only way to make sure that you receive all available credits is to file a full tax return for 2020.

Need help filing your tax return? We have options for you here.

I haven’t filed taxes in a long time, but I did register for the stimulus payments last year. What are my options?

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The best way to claim the Child Tax Credit is to file your 2020 taxes. The IRS has said that eligible non-filers who previously registered for the stimulus payments will receive Child Tax Credit payments automatically. However, there may be other tax credits you qualify for. The only way to make sure that you receive all available credits is to file your taxes.

I have a new bank account where I would like to receive Child Tax Credit payments, how do I update my information with the IRS?

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If you need to add a new bank account or change your bank account information, visit the IRS update portal. You’ll need photo ID to create an account and log in with the IRS.

Questions about children

I had a child born in 2021 or I am pregnant and due before the end of the year. Can I claim the Child Tax Credit for the new child?

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Yes, you are eligible for the Child Tax Credit for the new child. You will need to update your information with the IRS to receive your payment. The IRS has said that you will be able to make those updates starting in late summer using the IRS update portal. We will update this page when this function is available.

Someone else claimed my child(ren) on their 2020 taxes, or I expect someone else to claim my child(ren) on their 2021 taxes. What should I know?

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The IRS uses 2020 tax returns to determine who will receive the advance payments for the Child Tax Credit, but final eligibility for the Child Tax Credit is based on 2021 tax returns.

If someone else claimed your child(ren) on their 2020 taxes and you expect that person to claim your child(ren) again on 2021 taxes (filed in spring 2022): You are likely not eligible to receive the Child Tax Credit. If the child(ren) live with you more than six months out of the year but someone else usually claims them on their taxes, consult a tax professional for advice. Make a free no-contact or in-person appointment with one of our tax prep partners to get help.

If someone else claimed your child(ren) on their 2020 taxes but you expect to claim your child(ren) on your 2021 taxes (filed in spring 2022): You will not receive advance payments automatically from the IRS, but you will be eligible to receive the full Child Tax Credit when you file your 2021 taxes in spring 2022. If you would like to try to get the advance payments, consult a tax professional for advice. Make a free no-contact or in-person appointment with one of our tax prep partners to get help.

If you claimed your child(ren) on your 2020 taxes but you expect someone else to claim your child(ren) on their 2021 taxes (filed in spring 2022): This situation is common among separated parents with joint custody who claim the children in alternating years. If you receive advance payments based on the children claimed on your 2020 taxes but do not claim the same children on your 2021 taxes filed in spring 2022, you may have to repay the advance payments. To avoid this situation, we recommend that you opt-out of the advance payments using the IRS update portal. Still have questions or need advice? Make a free no-contact or in-person appointment with one of our tax prep partners to get help.

Questions about filing taxes

I filed my 2019 taxes last year, but I haven’t filed 2020 taxes yet. What should I know?

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If you already filed your 2019 taxes, you will receive your Child Tax Credit payments automatically starting in July. Payments will be sent to your bank account on file with the IRS. Or, if you don’t have an account on file, you will get a paper check mailed to your address. If you need to update your bank account information, your address or information about your children, you’ll need to update your information with the IRS on a to-be-released IRS website. We’ll update this page when the link is available. We encourage everyone to file a 2020 tax return as well. It’s not too late to file! In addition to the Child Tax Credit, you may be eligible for the Earned Income Tax Credit or special Michigan tax credits like the Home Heating Credit and the Homestead Property Tax Credit. The only way to make sure that you receive all available credits is to file a full tax return for 2020. Need help filing your tax return? We have options for you here.

I haven’t filed taxes in a long time, but I did register for the stimulus payments last year. What are my options?

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The best way to claim the Child Tax Credit is to file your 2020 taxes. The IRS has said that eligible non-filers IRS who previously registered for the stimulus payments will receive Child Tax Credit payments automatically. However, there may be other tax credits you qualify for. The only way to make sure that you receive all available credits is to file your taxes.

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