Many Americans are seeing viral online posts about a $1390 direct deposit payment from the IRS in late 2025. These stories claim it’s quick relief for rising costs like energy bills, groceries, and rent, often aimed at seniors, low-income families, and benefit recipients. However, as of December 17, 2025, this is not a real IRS program. The $1390 amount seems pulled from thin air or confused with old stimulus figures—no official approval exists, and the IRS has made no announcements about new direct deposits like this.
This article explains the facts in simple words. We cover where the rumors come from, the fake eligibility rules and schedule, what real IRS payments might look like, and how to avoid scams. Always check IRS.gov for accurate updates.
Origins of the $1390 Direct Deposit Rumors
These claims spread on social media and unofficial blogs, often during tough economic times. The $1390 number has no clear source—it might mix up partial old COVID stimulus amounts (like $600 + $800) or just be invented for clicks. Posts promise it’s a “special adjustment” using your tax records.
In reality:
- No IRS news release or law supports this.
- Official IRS pages cover tax refunds and old credits only—no new relief payments.
- Rumors often include “claim now” links that lead to ads or scams.
These stories give false hope but can waste time or expose you to risks.
Claimed Eligibility Rules in the Rumors
Fake articles say you qualify if:
- You’re a U.S. citizen or legal resident with a Social Security number.
- Your income is under $75,000 (single) or $150,000 (joint) for the full amount.
- You filed 2024 taxes or get benefits like Social Security or SSI.
- No debts to the government (like back taxes).
They claim it’s automatic for most—no extra steps needed. But these are made-up rules; no program means no eligibility.
The Supposed Payment Schedule
Rumors describe:
- Starts late December 2025 (around December 20–31).
- Batches by last two digits of your Social Security number (e.g., 00–09 on the 20th).
- Direct deposits first, paper checks in January 2026.
This “schedule” copies old IRS stimulus waves but applies to nothing real. No such timeline exists.
The Truth: No $1390 Payment—Focus on Real IRS Options
The IRS only distributes money from approved laws. No new $1390 program is authorized. Recent real actions include automatic payments for missed 2021 Recovery Rebate Credits (up to $1400 for some, arriving by late January 2025).
Other genuine help:
- Tax refunds from 2024 filings (processing starts January 2026).
- Earned Income Tax Credit or Child Tax Credit claims.
- Adjustments for overpaid taxes.
Rumored vs. Real IRS Direct Deposits
| Detail | Rumored $1390 Payment | Real IRS Options (Late 2025/Early 2026) |
|---|---|---|
| Amount | Fixed $1390 | Varies (up to $1400 old credits or refunds) |
| Approval | Claimed as new relief | Only existing laws; no new program |
| Eligibility | Income limits + tax filers | Personal tax situation; file to claim |
| Schedule | Late Dec batches by SSN | Ongoing for refunds; old credits by Jan 27 |
| Delivery | Automatic direct deposit | Based on your filing; direct deposit fast |
Scam Warnings: Stay Protected
Scammers exploit these rumors. Watch for:
- Messages saying “Your $1390 is ready—update bank info.”
- Fake sites asking for Social Security number, personal details, or fees.
- Urgent “schedule deadlines” with links.
The real IRS:
- Contacts only by mail.
- Never asks for info by text, email, or phone.
- Uses IRS.gov tools—no unofficial claims.
Report scams to IRS.gov or FTC.gov.
Safe Steps to Check for Real Money
Easy actions:
- Visit IRS.gov and create a free account to review your records.
- Use “Where’s My Refund?” for any pending refunds.
- Update bank info securely on the official site.
- File or amend taxes if you think you missed credits.
Direct deposit is the quickest and safest for legitimate payments.
Conclusion
The $1390 IRS direct deposit for late 2025 is a baseless rumor with no eligibility, schedule, or real basis—no money is coming from this claimed program. Economic pressures make these stories appealing, but they often hide scams. Instead, focus on verified options like claiming old credits, filing taxes for refunds, or updating your IRS account.
Trust IRS.gov for your personal situation. Accurate information protects you and helps secure any actual funds owed. Stay vigilant and informed for better financial decisions.