Third Wave of “Stimulus Checks” FAQs

in response to the coronavirus impact on the economy the government is contemplating a stimulus package or bailout for companies in financial crisis

The latest (third) round of Stimulus Checks was signed into effect on Thursday, March 11, 2021.  Please note the following:

  • We have not yet been notified as to when the payments will start being directly deposited into accounts.
  • Important:  Prior to the deposit being made into your account, it may show-up in online banking as “pending”.  This means that the funds have not yet been received by the credit union – it is notification that they are coming soon.  You will have access to the funds when they arrive and are deposited into the account.
  • Reminder:  direct deposits to accounts are only received from the IRS on business days (Monday-Friday).
  • Stimulus checks come from the IRS, and they are your BEST resource for information about payments. If you do not see your stimulus deposit in your account, it means that we have not yet received it and do not know when it will arrive. If you have additional questions, the IRS website is an accurate and updated resource.

Please be aware of scams.  The IRS will not call you or ask you for any information in regards to your stimulus check.  If you receive any calls claiming to be from the IRS – hang up. 

If you did not receive the first or second rounds of Stimulus Checks, please go to the IRS website for more information.  WCCU is not provided with information regarding your individual Stimulus Check status or if you should receive these payments.

Coronavirus Stimulus Payments: Please be extra cautious of scams where fraudsters may pretend to be with the IRS and ask for your personal information. There are a few important things to know and share with older family members who may not be as well-informed:

  1. The government will not ask you to pay anything up front to get this money. No fees. No charges. Nothing. If you are asked to pay up front, this is a scam.
  2. The government will not call to ask for your Social Security Number, account numbers or credit card numbers. Anyone who calls you to ask for this is likely a scammer.
  3. Most people won’t need to take action. However, “non-filers” will need to submit information to the IRS. A “non-filer” is described as
    • You did not file a 2018, 2019 or 2020 federal income tax return because your gross income was under $12,200 ($24,400 for married couples). This includes people who had no income. Or
    • You weren’t required to file a 2018, 2019 or 2020 federal income tax return for other reasons

For accurate information regarding the stimulus payments, we recommend visiting the IRS Coronavirus Economic Impact Payments page.

United States Treasury Check

For information from WCCU related to the COVID-19 Pandemic, please see our COVID-19 Resources and Updates Page.

For up-to-date information on the virus and resources for your family and community, visit

If you come across any suspicious claims or scams, report them to the FTC at

If you have any questions related to a potential scam or your financial health, please contact us directly.

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WCCU Baraboo Branch