CLEVELAND, Ohio – If you’re still waiting for your stimulus check, here are three suggestions.

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1. Watch your mail. The IRS says it will send checks or debit cards to people for whom it doesn’t have bank deposit information. Some people who received debit cards last time may receive a check this time, and vice versa. It will show up in a white envelope with the U.S. Department of Treasury seal, the IRS advises.

2. Check the IRS website – irs.gov/coronavirus/get-my-payment. After plugging in your Social Security number, birthdate, street address and ZIP code, you should get a status, such as the scheduled date for your direct deposit. But for those for whom a payment isn’t in the works, unfortunately, the website provides little help as to why. A common message is: “Payment Status – Not Available” because the IRS either doesn’t “have enough information yet” or “you’re not eligible.” If you’re in this boat, the best option by this point likely is the next suggestion below.

3. Fill out your 2020 tax form as soon as possible to get things straightened out so you can get your cash in hand. As explained earlier by the IRS, there will be a worksheet as part of the next tax form for people to claim a Recovery Rebate Credit for stimulus money for which they were entitled to, but did not receive. The same goes for this second stimulus payment, the IRS said in a Dec. 29 announcement.

More in depth: Other questions about the stimulus, enhanced unemployment benefits and the status of the no-interest/no-payment period for student loans was covered in the latest That’s Rich!, the personal finance column at cleveland.com and The Plain Dealer. Read more at this link – What you need to know about the new stimulus checks, and $300 extra weekly in unemployment benefits: That’s Rich! Q&A

Email questions and suggestions to rexner@cleveland.com. Include your hometown and first name for publication. And to help me sort through the clutter of my email box, try to remember including “That’s Rich!” in the subject of the email.

Also, previously:

2021 personal finance calendar: key dates for tax documents, student grants and loans, Obamacare, Medicare and more

‘Tis the season for the stock market’s typical ‘Santa Claus Rally’

7 end-of-the year money-saving ideas: picking tax brackets, IRA withdrawals, loan refinancing, more

Here’s how to make a case to lower your property tax bill

Extended warranties are free with credit cards; don’t waste the benefit

Is a gift card the right gift? Some ideas, cautions, and protections to know under the law

You can go to college tuition-free if you’re 60 or older by auditing classes in Ohio

Your guide to Obamacare open enrollment 2021: costs, shopping tips, income cutoffs

How to be sure you’re getting a fair deal on auto insurance during COVID-19 with traffic, accidents down

Is Medicare Advantage right for you? And how to judge the 2021 plans for Greater Cleveland, Akron

The first $300 supplemental unemployment checks are done; plus answers on Medicare enrollment and stimulus checks: That’s Rich Q&A

Medicare open enrollment starts Oct. 15; what you need to know

Answers to qualifying for unemployment, the $300 payments and disputed Ohio claims – Q&A

Is your budget tight during coronavirus? See these tips to help you cope, now and in the long run

How to get $300 extra in unemployment, 13 weeks in extra benefits, and more: Q&A

How to avoid scams; newest fraud tricks; can payment be stopped?

Where’s my $300 extra for unemployment? How about my missing stimulus check? – Q&A

Organize your financial records in case you get sick – a reader Q&A

Explaining Ohio’s maze of city income tax rates and credits, and why you should log where you’ve been working

With mortgage rates at historic lows, should you join the rush to refinance? – That’s Rich!

Ohio has $3.2 billion in unclaimed funds; find out if some of that money is yours – That’s Rich!

Roth retirement plan or traditional IRA and 401(k) plans? Is this the time to adjust your thinking?

Taking college classes online this fall? Here’s how students can save a lot of money

Does it make sense to pay off your mortgage early? Here’s what to consider

CARES Act makes this ideal time for a student-loan payment checkup

Coronavirus and taxes: Revised filing deadline nears; IRS not yet processing paper forms

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