If you’re wondering how and when that $725 stimulus check is heading your way, you’re not alone — and the good news is, payments are already rolling out in June. But the way you receive your money depends on a few key factors, and knowing them could mean getting your cash faster.
States across the country have started distributing a fresh wave of economic relief payments, with California, Colorado, and a few others leading the charge. Depending on where you live and how you’ve filed your taxes, your $725 stimulus payment could show up in one of three main ways: direct deposit, a paper check, or a prepaid debit card.
Direct Deposit: The Fastest Way to Get Your Payment
If your state has your bank account information on file — usually from your last tax return or other benefit programs — then direct deposit is by far the quickest route. Most people receiving payments this way can expect their funds to hit their bank accounts within 3 to 5 business days after processing.
Direct deposits often show up with a label like “TAX RELIEF” or “STIMULUS” in your bank statement. If you’ve previously received tax refunds or government benefits via direct deposit, you’re likely all set
Paper Checks: Slower but Still Reliable
If your banking info isn’t on file, the state will usually send your payment by mail as a paper check. While it’s slower than direct deposit, it’s a standard fallback option. These checks are already being mailed out, but delivery could take up to 10 business days, especially if your local postal service is experiencing delays.
Make sure your mailing address is up to date with your state’s revenue or tax department to avoid delays or returned mail.
Prepaid Debit Cards: A Common Option in Some States
Some states — notably California and Colorado — are also distributing stimulus payments using prepaid debit cards. These cards arrive in a plain envelope and need to be activated before use, often by phone or online.
It’s a secure and convenient option, especially for those who may not have a bank account. Expect the card to take a little longer to arrive by mail, but once you activate it, your funds are ready to go.
Payment Timeline: When You Can Expect to See the Money
Most states are aiming to get these payments out between June 7 and June 21, though the exact timing can vary by location. Here’s a rough timeline based on the method of delivery:
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Direct deposit: Usually within 3–5 days from the date it’s issued
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Paper check: Up to 10 business days to arrive
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Prepaid card: Can take a couple of weeks, especially with postal delays
If you’re unsure of your payment method, check your state’s official tax or revenue website. Many states offer online portals where you can track your payment status or confirm your delivery details.
What You Need to Do Now
If you haven’t received anything yet, don’t panic. These payments are going out in waves, so not everyone will get theirs at the same time. In the meantime:
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Check your bank account for new deposits labeled “TAX RELIEF” or “STIMULUS.”
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Look for mail with your check or debit card — they often arrive in plain envelopes.
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Visit your state’s stimulus tracker or department of revenue for updates.
Final Thoughts
The $725 stimulus payment is a much-needed financial boost for many households, especially as inflation continues to stretch family budgets. Whether you get yours via direct deposit, check, or card, knowing the process helps you avoid delays and get your money faster. Stay alert, check your mail, and make sure your personal information is current with your state’s tax department.
