Stimulus Payments

Economic Impact / Stimulus Payments:  What United Bank Customers Need to Know – updated 4/22/2020

Where can I get current information regarding the economic stimulus payments?

Visit for the latest information.

When will the payments begin to disburse?

Per the notification, ACH payments have begun processing.  Many United Bank customers have received a credit to their United Bank accounts, effective April 15.  We anticipate more ACH payments to be released beginning the week of 4/20/2020. The first batch of check payments will be mailed 4/20/2020 with a check date of 4/24/2020.

How can I determine the status of my stimulus payment?

The IRS has provided an online tool to inquire of the status of your payment.  Visit to get a daily update on your payment and its status.

Who is eligible for the economic impact payment and how much will it be?

Please refer to the website (above) for this information.

How will the IRS know where to send my payments?

Per, most recipients do not need to take any action.  The IRS will calculate and automatically send the stimulus payment to those eligible. Payments will be delivered to the Direct Express cards for those who have this card or direct deposited to the bank account on record from the most recent tax return filed (tax year 2018 or 2019).  All other payments will be issued by mailing a U.S. Treasury check to the address on file with the IRS.

If I am not typically required to file a tax return, can I still receive my payment and is any action required on my part?

The IRS has created a resource to assist non-filers. Go to

What if the IRS does not have my current bank account information? What can I do to update my information?

Go to to provide updated bank information or to expedite your payment to be credited electronically to your checking account.

How much money can I withdraw at one time from a United Bank ATM using my Direct Express Federal benefit card?

You may withdraw up to $500 at one time from a United Bank ATM using your Direct Express card. You may complete multiple transactions if you need to withdraw more than this amount.  There is no surcharge when you use your Direct Express card to withdraw funds at a United Bank ATM.

How will United Bank handle my stimulus payment that is being sent by ACH direct deposit? 

The Bank will automatically credit your stimulus payment to your account provided the account is open.  If your account is closed, dormant or charged-off, the payment will be returned to the IRS.  The IRS will then convert your payment to a check and mail to your last address from their files.

Will United Bank cash the economic stimulus checks?

We will cash these checks for customers who currently have an active banking relationship with United Bank.

What are the requirements for United Bank to cash a stimulus check?

  1. Recipient must have an open United Bank account
  2. Present state-issued identification for each payee on the check
  3. Provide proper endorsement by each payee on the check

Will someone from the IRS or the Bank ever call me to gather personal information over the phone regarding my stimulus payment?

No, the IRS nor the Bank will call you and ask for you to provide confidential information over the phone.  This is a common way for fraudsters to take advantage of consumers.  Never volunteer your confidential data over the phone to someone who has called you unsolicited. If necessary, hang up and call United Bank directly to verify the inquiry.

What if I cannot find my stimulus payment – by ACH or check? Who do I contact?

For security reasons, the IRS plans to mail a letter about the stimulus payment to the taxpayer’s last known address within 15 days after the payment is issued.  The letter will provide information on how the payment was made and how to report any failure to receive the payment.

I have just received a check, but I suspect it is counterfeit. How can I know if this check is legitimate?

Fraudsters have already begun to devise schemes to trick customers with counterfeit checks.  Go to to review a sample check and its safety features.