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Economic Impact Payments - Round 3

Helpful information about the Economic Impact Payments.

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With the third round of Economic Impact Payments being distributed by the Federal Government in mid to late March 2021, we wanted to reach out with some helpful information.

  • You can check the status of your Economic Impact Payment on the IRS website
  • Eligible individuals will receive their Economic Impact Payments automatically.  There is no need to contact the IRS or your financial institution.
  • As with the first two rounds of Economic Impact Payments, most individuals will receive their third payment by direct deposit.

  • For those people who do receive their Economic Impact Payment as a check in the mail, please know that all names listed on the check must also be listed on your Adventure account.  Also, all persons named on the check must endorse the back of the check.  If these two requirements are not met, we cannot cash or deposit your check. 
  • Payments are expected to come in waves, meaning not everyone will be included in the first round of payments. Please have patience and check your account with  online banking.

Only the IRS website can answer these questions:


  • Will I get a payment, and how much will it be?
  • How and when will I receive it?

Please consult the IRS website for more information.

Questions Adventure Credit Union can answer:

  • Q: How will I know when my Economic Impact Payment has posted to my account?
  • A: We recommend setting up an alert to notify you when a ACH deposit is posted to your account.  This type of alert must be set up with Online Banking.  Choose the "options" menu, then "alerts," then "events."  Check the box to be notified by email for "incoming ACH credit" then click "continue" and "submit."

  • Q: If I receive a paper check, how can I deposit it?
  • A: Checks can be deposited from home using the Mobile Deposit feature within our Mobile Banking app.  Checks can also be deposited at any Adventure location or Adventure ATM.  Checks are accepted via drive-thru or Interactive Teller Machines at our 32nd Street, Plainfield, Grandville, or Kentwood offices.
  • Q: What happens to my Economic Impact Payment if my Adventure account is closed?
  • A: If we receive an Economic Impact Payment for you but you do not have an open account for us to post it to, we will return the funds to the Government.  The Government will then issue you a paper check.
  • Q: What do I do if I receive an Economic Impact Payment for a deceased person?
  • A: Deceased individuals are not eligible for an Economic Impact Payment and the money should be returned to the IRS.  Please click here to visit the website for full details on returning funds.

What should you do with your economic impact payment?

  • Concentrate on higher priority items like the bills that keep you sheltered and food on the table.

  • Reach out to us. We are here to help you during this difficult time- learn more about what we’re doing to help so you can use your economic impact payment for what you need now.

  • Put some of it into savings. Setting aside even $100 or $200 can help provide a cushion for bills that are coming in the future.

  • Remember: Your money is safe with us; all of your accounts are federally insured by the NCUA.

  • We urge you to be on the lookout for scam artists trying to use the economic impact payments as cover for schemes to steal personal information and money. Remember, that neither the Credit Union or the IRS will call, text you, email you or contact you on social media asking for personal or bank account information – even related to the economic impact payments. Also, watch out for emails with attachments or links claiming to have special information about economic impact payments or refunds.
For more helpful information check out the Consumer Financial Protection Bureau.