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Stimulus icon

Accessing your economic
impact payment.



On April 2, 2020, the U.S. Treasury Department and the Internal Revenue Service announced the distribution of economic impact payments to help Americans combat the financial effects of the Coronavirus pandemic. If you have been financially impacted by the pandemic, we understand how important it is that you receive this economic impact payment quickly and safely.

Receiving your payment in a timely manner.
Eligible taxpayers who filed tax returns for either 2019 or 2018 and provided direct deposit information will automatically receive their economic impact payment. Those taxpayers who did not provide direct deposit information will receive a paper check in the mail.

Checking your status
In the coming weeks, the IRS will be developing a portal on their website where you can check the status of your payment and provide your direct deposit information (if a check has not already been mailed to you). To ensure that you receive your payment as quickly as possible, you are encouraged to use direct deposit. Visit irs.gov/coronavirus for more specific timing on this portal and to check the status of your payment.

Depositing your paper check
If you do receive a paper check in the mail, we encourage you to use mobile check deposit with the Bethpage Mobile app for the fastest and most convenient way to deposit the check into your account. Other available options include visiting a local branch to use SPEEDeposit or an ATM. Visit lovebethpage.com/update for the availability of these options in your area.

Important note: In order to successfully deposit your paper check into your account, you must endorse the back of the check. If the check is not properly endorsed, it will be returned.

Negative Account Balances
We realize that access to the money from the Economic Impact Payments (EIP) is very important to our members during these challenging times. If the account into which the EIP has been or will be deposited has an outstanding negative balance, some or all of the funds from the EIP was/will be automatically applied to the negative balance. We understand that you may need the full amount of the EIP for other purposes, and you may choose not to use these funds to bring your account positive at this time. If this is the case, please complete the form below. Although you will still be responsible for any negative balance, we will temporarily credit your account to ensure you have access to the full amount of the EIP. If there are any issues with your submission, we will contact you to discuss further.

Request Access to Your Full EIP

Due to high call volume in our Contact Center, we encourage you to verify the receipt of your deposit by accessing your Online and Mobile Banking accounts, 24/7.

Economic Impact Payment FAQs

We encourage you to visit irs.gov/coronavirus for the most up-to-date answers to your questions regarding your economic impact payment, including:

  • Am I eligible for an economic impact payment?
  • If I am eligible, how much will I receive?
  • How do I receive my economic impact payment?
  • The IRS does not have my direct deposit information. What can I do?
  • I receive Social Security and do not file a tax return. Do I need to take any action?
  • When will my payment arrive?
  • What is the fastest method to receive my payment?
  • I cannot find my payment. Where was it deposited?
  • I was not required to file taxes in 2018 or 2019. Am I still eligible to receive a payment?
  • Are the payments taxable?
  • What if I need to update the account information I provided when I filed my taxes?
  • I want a paper check. How do I update my address, so that the IRS can send my check to the correct address?

I don’t have a bank account to receive direct deposit. What can I do?

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.
  • 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 an unsolicited email, text message or social media post that attempts to gather information that appears to be from either the IRS or an organization closely related to the IRS, such as the Electronic Federal Tax Payment System (EFTPS), the IRS is asking that you forward it to phishing@irs.gov.

How do I know if my economic impact payment arrived?

You will get a paper notice in the mail from the IRS no later than a few weeks after your payment was 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 you have not received a paper notice, check the online portal at irs.gov/coronavirus for the status of your payment.

You can also see if your payment has been directly deposited into your account by signing into Bethpage Online and Mobile Banking and checking your transaction history.

What are my options to deposit a paper check?

You have several options to deposit your economic impact payment check:

  • Use the mobile check deposit feature of the Bethpage Mobile app
  • Use SPEEDeposit at a nearby Bethpage branch (where available)
  • Use a nearby branch ATM

What should I do if my account was closed before my EIP was direct deposited?

If your account is closed, the direct deposit will be returned back to the IRS. You will be issued a check to the mailing address they have on file for you. Please refer to irs.gov/coronavirus for more information, including how to ensure your mailing address is correct.

Be aware of fraud.

Fraudsters are taking advantage of members’ vulnerability during these challenging times. Be vigilant of calls, emails, and/or text messages from anyone seeking information about your economic impact payment.
Fraudsters may ask you to:

fraud protection
  • Sign over your economic impact payment check
  • Verify your personal information, such as your Social Security Number or date of birth.
  • Provide your banking information, such as account numbers, debit or credit card numbers, or passwords.


Stay alert to these scams, and know that Bethpage will never ask you to take any of these actions over the phone, in email or text, or through social media.