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Economic Impact Payments FAQ

In addition to expanded unemployment coverage and small business assistance, the CARES Act federal relief bill will send Economic Impact Payments (stimulus checks) to individuals. 

You won't need to sign-up to receive your payment, and you can visit the IRS website for any questions that are not answered below. We will closely monitor the IRS website as well and post updates here as they are available.

When will I get my stimulus payment?

According to the IRS, direct deposits have begun and checks began mailing April 20. Payments will be made in waves. 

How will I get my stimulus payment?

The economic impact payment will be deposited directly into the same banking account reflected on the most recently filed tax return – 2019 or 2018.

If you did not use direct deposit for your 2018 or 2019 tax return, visit the U.S. Treasury Department "Get My Payment" portal. If your payment has not yet been scheduled for delivery, you will be able to provide your banking information via the website to expedite your payment. You'll need to know your First Commonwealth Bank account number where you'd like to receive your money and our routing number, which is 043306826. Otherwise, you will receive a check or debit card in the mail.

If you receive Social Security and don't file a tax return, you will receive your payment via direct deposit into the same account that you receive your Social Security. 

If you are not required to file tax returns, you can provide your information including Social Security number online to the IRS portal by selecting "Non-Filers: Enter Payment Info Here." The information will be used to determine your eligibility and payment amount. 

Do you know how much money I should expect?

To get the best information on your eligibility and the amount of your payment, we recommend you visit the official IRS website.

Where can I find my routing number and account number?

The First Commonwealth Bank routing number is 043306826. You can locate your account number by looking for the 10 digit number at the bottom of your check. This will be next to the First Commonwealth routing number.

Protecting Yourself from Fraud

The American Bankers Association has highlighted the five most common scams to watch out for in relation to your Economic Impact Payments:


Offer early access to payment
  • Anyone who promises early or fast payment in exchange for personal information is most likely a scammer.
Use suspicious phrases
  • The IRS has stated that the official term for payments is “Economic Impact Payments.” If you receive any correspondence using the phrases “stimulus check” or “stimulus payment,” it may be a clue that a fraudster trying to take your cash.
Send “phishy” emails or texts
  • Government agencies will never correspond through email or text message. If you receive a message with a link asking you to register online in order to receive your economic impact payment, you are most likely being scammed. Do not click on the link.
Make bogus phone calls and texts asking for personal information
  • Consumers do not need to take any action to receive their economic impact payment. If you receive a phone call or text from someone claiming to be from your bank or a government agency asking to verify your personal information, hang up immediately and call your bank or report it to the IRS.
Mail a phony check
  • Some scammers will send out fake checks—with either the correct or incorrect economic impact payment amount—and require the recipient to verify personal information in order to cash it. The only mail correspondence you should receive will come from the IRS in the form of a letter with information on how the economic impact payment was made and how to report any failure to receive the payment.