In November 2025, a viral claim online suggested that the IRS would send every American a $1,390 direct deposit as part of a new federal relief program. With rising prices for food, rent, utilities, and transportation, millions of people were hopeful this payment might be real. However, officials and trusted fact-checkers have confirmed that no such IRS payment exists.
Still, many legitimate benefits are available that offer similar or even higher amounts—and unlike the rumoured payment, these programs are real, verified, and already helping millions. This guide breaks down the truth behind the rumour, what benefits actually exist, and how to protect yourself from scams.
Why the IRS $1,390 Direct Deposit Rumour Spread
The rumour began circulating in early November on social media and video platforms. Posts claimed the payment was part of a new federal relief package for seniors, low-income families, or people facing financial hardship.
Reasons the Rumour Looked Real
- The number $1,390 matches the combined average of SSI + state supplements
- Old pandemic stimulus graphics were reused
- Many people are struggling with inflation and hoping for relief
- No official program documents were linked, making misinformation harder to verify
However, Congress has not passed any new stimulus bill, and the IRS has not announced any emergency payments.
What the IRS Actually Said
The IRS confirmed:
- No $1,390 stimulus, rebate, or relief deposit exists
- No automatic checks are scheduled for November 2025
- The viral claim is a misinterpretation of Social Security and SSI averages
The last time Americans could claim missed stimulus checks was the April 15, 2025 tax deadline, which has already passed.
Real Programs That Offer Similar Financial Support
While the rumoured IRS payment is false, several legitimate federal and state programs offer monthly payments close to—or much higher than—$1,390.
Social Security Retirement
- Average payment: Around $1,920/month after the 2025 COLA
- Higher earners may receive more
SSDI Disability Benefits
- Average: $1,537/month
- Maximum for high earners: Up to $3,822
SSI (Supplemental Security Income)
- Federal average: $943/month
- State supplements: $200–$500
- Total in many states is near $1,400
State Rebate Programs
Examples include:
- New Jersey ANCHOR: Up to $1,500
- LIHEAP energy aid: $150–$1,000
- SNAP food benefits: $291/person (average)
Tax Credits That Help Families
- Earned Income Tax Credit (EITC): Up to $7,830
- Child Tax Credit: Amount varies by income and dependents
These programs provide steady, reliable assistance—not one-time rumours.
Official Payment Dates for November 2025
Although there is no $1,390 IRS deposit, several verified payments are scheduled:
SSI
- Paid on November 1
VA Disability
- Paid on November 1
Social Security & SSDI
Payment dates depend on birthdate:
- Born 1st–10th: November 12
- Born 11th–20th: November 19
- Born 21st–31st: November 26
Direct deposit processes the fastest. Mailed checks may see minor delays due to Thanksgiving.
State Rebates
Most states send payments in mid-November, depending on individual program rules.
How to Avoid Scams Linked to the Viral Rumour
The fake $1,390 payout has unfortunately led to scam websites claiming to “register” users for the payment.
Signs of a Scam
Avoid any site that:
- Requests Social Security Number, bank account, or OTP
- Charges a “processing fee”
- Promises “instant approval”
- Sends suspicious links through email or text
The IRS never asks for personal information through messages or social media.
Online Safety Quick Tips
- Use two-factor authentication
- Keep strong, unique passwords
- Visit only official government websites (ending in .gov)
- Double-check URLs before entering information
Ways to Secure Real Financial Help
Here are steps to access legitimate benefits:
- File your 2024 tax return early
- Set up direct deposit to reduce delays
- Apply for LIHEAP for heating help
- Check MissingMoney.gov for unclaimed funds
- Enroll in SNAP or Medicaid if eligible
- Review benefits on SSA.gov and IRS.gov
These programs are safe, verified, and available right now.
FAQs
1. Is the IRS sending a $1,390 direct deposit in November 2025?
No. The claim is false and not backed by any official federal program.
2. Why do people believe the rumour?
Because the number matches real benefit averages, making the claim seem believable.
3. Are there real programs that pay around $1,390?
Yes. SSI + state supplements, SSDI, and state rebates often total around or above that amount.
4. How can I check if an IRS claim is genuine?
Only trust information posted on IRS.gov or official .gov websites.
5. Can I still claim old stimulus checks?
No. The deadline to claim past stimulus payments was April 15, 2025.
Conclusion
While the IRS is not sending out a $1,390 direct deposit in November 2025, many real programs provide meaningful financial support. Staying informed, avoiding scams, and checking your eligibility for verified benefits can help you access real assistance safely. Always rely on official government sources, not viral posts, to protect your finances and personal information.