Some parents will not receive a child tax credit if they do not register by October 15. here’s why

The IRS reminds eligible families who receive little or no income to register by October 15.

Sarah Tew / CNET

After the first monthly advance payment of the child tax credit was released this summer, a report released by the Center on Budget and Policy Priorities warned that some 4 million children in low-income households may not benefit from the improved benefit this year. Why? Because the IRS is basing eligibility for this year’s advance payments on 2020 tax returns. If families were not earning enough to file a return, or had not yet made it, the IRS would not know. not that they are qualified to get the payments, which could be up to $ 3,600 annually per child.

In previous years, low-income families or parents with no income received only part of the credit, if at all. But the rules for the 2021 credit have changed to allow more families to qualify, even if they have no income. The IRS has allowed non-filing families to register online for free by completing a simplified return. Additionally, when you use the Non-Filer Enrollment Tool, the IRS will automatically issue a payment for the Child Tax Credit and the third stimulus check, assuming you are eligible.

It’s not too late for low-income families to get credit. With three monthly payments already issued – and three more this year – the last day to use the IRS tool is October 15. And if parents register online before October 4, they might even be able to get their first payment. in October. To find out more, here’s what you need to know Upcoming deadlines and how use the IRS update portal to manage payments and update your personal information.

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Child tax credit: everything we know


How to subscribe to the 2021 child tax credit

The IRS launched its online tool in June to help families who don’t normally file tax returns enroll in this year’s child tax credit program. The tool is not intended for families who have already filed – or plan to file – their 2019 or 2020 tax returns. The IRS will use these tax returns to determine eligibility and make future payments to eligible families. . The Center on Budget and Policy Priorities predicts that it will take families 15 to 30 minutes to register.

The free tool “Registration Tool for Non-Filers” is designed to allow the poorest families and homeless people to register with their name, address and social security numbers. Individuals will be able to notify the IRS of one of their eligible dependents and will be able to provide their banking information for direct deposit payments once they begin.

The IRS has directions on how to complete the form. The first step is to create an account with an email address. The next steps require entering your information, including an address or bank account to receive payments. You will also need to provide your adjusted gross income, or AGI, and sign the form electronically. Here’s what to do:

1. To get started, create an account if you don’t have one yet. You will need a phone number, password, and email address to confirm your information. Note that it can take up to 48 hours for the IRS to confirm your email address – and another 48 hours after submitting your information for the IRS to accept.

2. On the next page – “Fill out your tax forms” – enter your information, including your filing status and details about dependents. These fields are required, but you can ignore the optional fields if they do not apply to you. For example, you can also add information about your “Recovery Rebate Credit” to the form, or your banking information to receive your payments electronically rather than by mail. Faucet Go to step 2 when it’s ready.

3. On this page – “Transfer your tax forms electronically” – you will provide your adjusted gross income, or AGI, and sign the form electronically by creating a new PIN code. If you did not declare taxes last year, enter “0” in the box for AGI and ignore the part about last year’s self-selected signing PIN. When you are finished, press the Continue to E-File button to submit your information.

The tool has been criticized by some advocacy groups for not being easy to use. The IRS recommends using the portal on a laptop or desktop computer, not on a phone. (The platform on mobile devices is not as easy to read.) Users will also need an email address, strong internet connection, their reporting status, and other tax information. , which are generally not available to non-filers. For now, it is only accessible in English, although the instructions are available in several languages.

Do not use the IRS non-filer tool if you have filed a tax return

The IRS says you shouldn’t use the online no-filer tool if you’ve already filed a 2020 tax return or if your adjusted gross income, or AGI, was over $ 12,400 ($ 24,800 for a married couple). It also says that you cannot use the tool if your primary residence is outside the United States, if you or your spouse can be claimed as dependents, or if you are claiming an advance child tax credit for a child. child born in 2021. (However, you can use the tool if you need to claim a recovery discount credit.)


The next monthly advance check leaves on October 15th.

Sarah Tew / CNET

How to stop the rest of this year’s monthly payments

Families can unsubscribe from the child tax credit defer advance monthly checks and instead receive the remainder of the credit during tax season next year. The sooner you unsubscribe through the Update Portal, the better, as it may take up to seven days for your request to be processed. This fall, you can re-register if you change your mind.

Here are the remaining deadlines for opting out of the Monthly Advance Payment program.

Child tax credit deregistration deadlines

Unsubscribe date

Payment date

October 4

October 15

November, 1st

November 15

29 november

December 15

What you need to know about child tax credit payments and taxes for 2022

Child Tax Credit Payments are advances on the following year’s tax refund for eligible parents. You will receive half of the money over seven payments in 2021 and 2022. If for some reason you receive more money than you are entitled to, you will have to pay the IRS the difference based on your tax return when you file in 2022. However, there is a repayment protection program to help low-income families who may not be able to repay the extra money.

Other Reasons To Use IRS Child Tax Credit Tools

We anticipate changes to the IRS website throughout the fall. You can now view your Child Tax Credit payment history and update your direct deposit and mailing address in the Update Portal. Later, you can edit other household details such as the number of dependents and income.

For more information on child tax credit, here’s what to do if you are miss a payment.

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