$1,390 Direct Deposit Coming November 2025: IRS Finally Confirms – Are YOU Getting It?

The Internal Revenue Service (IRS) has officially confirmed that millions of Americans will receive a $1,390 direct deposit in November 2025. This surprise payment has created huge excitement across the country. But who exactly qualifies? When will the money hit your bank account? Keep reading – we’ve got all the simple, up-to-date details.

What Is This $1,390 Payment All About?

This $1,390 direct deposit is NOT a new stimulus check. It is an automatic “reconciliation payment” for people who missed out on the correct amount of the 2021 Recovery Rebate Credit (the third stimulus check of $1,400 per person).

In simple words: If you were eligible for the full $1,400 third stimulus in 2021 but got less (or nothing) because of old IRS data, the IRS is now fixing it and sending the missing amount plus a small interest adjustment – that’s why some people are seeing exactly $1,390.

Who Qualifies for the $1,390 Direct Deposit in November 2025?

The IRS is automatically sending this money. You don’t need to file anything new. Here are the main groups who will get it:

Who Gets the Money?	Details
Low-income families	Especially those who had a baby in 2021 or income dropped that year
People who didn’t claim the Recovery Rebate Credit on 2021 taxes	If you skipped the credit or the IRS used 2019/2020 data
SSI, SSDI, VA, and Railroad retirees	Many who got $1,400 late or not at all in 2021
Non-filers who registered on IRS portal in 2021	But the payment was delayed or calculated wrong
Taxpayers who had changes in dependents in 2021	New child, new qualifying dependent, etc.

Important Payment Dates – Mark Your Calendar!

Date	What Happens
November 10–15, 2025	First batch of direct deposits starts
November 17–22, 2025	Second and biggest wave (most people get it here)
November 26–30, 2025	Final batch + paper checks mailed
By December 31, 2025	All payments must be sent (IRS deadline)

How to Check If You’re Getting the $1,390 Payment

1. Log into your IRS account at IRS.gov
2. Look for “2025 Reconciliation Payment” or Letter 6475 (2025 version)
3. Check “Where’s My Refund?” tool starting November 5, 2025 – it will show the $1,390 if scheduled
4. Watch your bank account for a deposit description like “IRS TREAS 310 – TAX REF”

Most Common Questions Answered

Do I have to pay tax on this $1,390?

→ No! It is completely tax-free.

What if I moved or changed banks?

→ Update your address and bank details on IRS.gov before November 1, 2025 to avoid delays.

Will it affect my Social Security, Medicaid, or other benefits?

→ No, this payment does not count as income for any federal benefits.

I already got $1,400 in 2021 – will I get another one?

→ Probably not. Only people who were shortchanged in 2021 qualify.

Final Words – Don’t Miss Your Money!

The $1,390 direct deposit in November 2025 is real, confirmed by the IRS, and requires zero action from most eligible people. The money will automatically appear in your bank account or mailbox before Thanksgiving week for the majority.

Stay updated, check your IRS account, and get ready – an extra $1,390 is coming your way very soon if you’re one of the lucky ones!