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Stimulus Check Information

We've been receiving a lot of questions regarding the stimulus payments, so we've compiled a list of the most commonly asked questions to share with you:

Will I be getting a stimulus check?

If one of the following describes you, then you will get a stimulus check:

  • You are a U.S. citizen or permanent resident who filed federal income taxes for 2018 or 2019 and meet the income thresholds
  • You receive Social Security retirement, disability (SSDI), or survivor benefits
  • You receive Railroad Retirement benefits

How will I receive my stimulus check?

If you filed your 2018 or 2019 taxes and included direct deposit information when you filed, you will receive your stimulus payment via direct deposit to the account you provided on your 2018 or 2019 federal tax return. If you provided your American 1 account information, you will receive your stimulus payment to your American 1 account. If you provided information for an account at another bank or credit union, you will receive your stimulus payment to that account. If you did not provide direct deposit information, the IRS will mail a paper stimulus check to the address they have on file for you. If you received a tax return card like an H&R Block card, please visit for information on how you will receive your stimulus payment.

When will I receive my stimulus payment?

Direct deposit payments started as early as April 9. The IRS will start sending paper stimulus checks beginning April 24.

How can I check the balance of my American 1 accounts to see if my stimulus check was deposited?

  • Online Banking. Register for Online Banking to monitor the status of your government stimulus check from the comfort of your desktop with American 1's secure Online Banking system. View account balances, transfer funds, make loan payments, pay bills, view e-Statements and check copies, and more.
  • Mobile App. With the American 1 Mobile App, available for both Android and iOS devices, you can check your balances, transfer money, deposit checks*, pay bills, make loan payments, set travel dates on your cards, freeze your cards if they are lost or stolen, and more. Click here for more information and download today.
  • A1 Access. Our phone banking system can help you check the status of your government stimulus check in your account while also providing balance inquiries, history inquiries, transfers, checking information, withdrawals, and loan information! If you have A1 Access, simply dial 800.247.2296 with your account number and access code and follow the prompts. If you have not used A1 Access, please call us at 888.213.2848 and we will get you set up in minutes!

What does it mean if I see a payment that is "Pending" in my account?

If you see a payment currently "Pending" in your account, this means our system is anticipating a deposit. However, it can take a few business days before the funds are actually sent to the credit union. As soon as American 1 receives the funds, they will be posted to your account. If you are using the American 1 Mobile App and tap on the "Pending" payment, you are able to see the anticipated deposit date.

How can I access my stimulus payment once it's in my account?

  • Drive thru locations. Click here for an updated list of our open locations and their hours. 
  • Walk thru locations. Our Home Office drive thru, Hillsdale Branch, and North Street Branch feature dedicated walk thru lanes.
  • American 1 ATMs. American 1 has more than 50 no-fee ATMs in several Michigan counties. For the full list of ATM locations, please click here.
  • Non-American 1 ATMs. We want you to be able to use the ATM that is closest to you - even if it isn't one of ours. Until further notice, we are reimbursing all foreign ATM fees that you incur by using an ATM that belongs to someone other than American 1.**


For all other questions regarding the government stimulus check program, please visit


*Must meet eligibility requirements to access this service. Click for full details.
**The ATM issuer may also charge a fee to use the ATM. American 1 will not reimburse fees charged by other institutions.

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National Credit Union Administration Federally Insured by NCUA. Equal Housing Opportunity. In compliance with the USA PATRIOT Act, we are required to obtain and verify identification provided for all new account owners and joint owners, using methods permitted by law.
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