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Frequently Asked Questions

Wondering where the latest economic impact payment is? Here’s how to track your stimulus check and what to do if you have problems.

Almost everyone who is eligible has received the first and second rounds of the U.S. government’s economic impact payments, or “stimulus funds.” But the third round—part of the American Rescue Plan Act of 2021—may provide additional relief to eligible individuals.

The IRS started processing payments in mid-March. Your payment might already be in your account or on its way. But if it’s not, don’t worry. The funds could take time to roll out. Here’s how you can check the status of your payment.

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Checking for Your Stimulus Payment:

Get My Payment | Internal Revenue Service

What You Can Expect
The IRS’s Get My Payment application is the only official way to find out when you’re scheduled to receive your stimulus payment. In fact, the IRS has asked people not to call about stimulus payments.

The app will ask you to enter your Social Security number or Individual Taxpayer Identification Number, your date of birth, your street address and your ZIP code.

If you’re eligible for a payment, it should show your payment has already been made or that it’s scheduled to be made. You also should see how and where it will be delivered.

If you have account information on file with the IRS, you should get your payment by direct deposit. If you don’t receive a direct deposit, you can watch your mail for either a paper check or a prepaid debit card.

If your third stimulus payment arrives in the mail, it might come in a different form than your first two. Like the first and second payments, it should be followed by an IRS notice or letter that includes the amount of the payment. The IRS says you should keep this for your tax records.

Determining eligibility for the third Economic Impact Payment
Most eligible people will get the third Economic Impact Payment automatically and won't need to take additional action. The IRS will use available information to determine eligibility and issue the third payment to eligible people who:

• Filed a 2020 tax return.
• Filed a 2019 tax return if the 2020 return has not been submitted or processed yet.
• Did not file a 2020 or 2019 tax return but registered for the first Economic Impact Payment using the special Non-Filers portal last year.
• Are federal benefit recipients as of December 31, 2020, who do not usually file a tax return and received Social Security and Railroad Retirement Board benefits, Supplemental Security Income (SSI) and Veteran benefit recipients in 2020. The IRS is working with these agencies to get updated information for 2021 to assist with stimulus payments at a date to be determined. will have more details.

How will the IRS know where to send my payment? What if I changed bank accounts?
The IRS will use data already in its systems to send the third stimulus payments. Taxpayers with direct deposit information on file will receive the payment that way. Those without current direct deposit information on file will receive the payment as a check or debit card in the mail.

Will people receive a paper check or a debit card?

The IRS encourages people to check Get My Payment for additional information; the tool on will be updated on a regular basis starting Monday, March 15.

People who don't receive a direct deposit should watch their mail for either a paper check or a debit card. To speed delivery of the payments to reach as many people as soon as possible, some payments will be sent in the mail as a debit card.

The form of payment for the third stimulus payment may differ from the first two.

People should watch their mail carefully. The Economic Impact Payment Card, or EIP Card, will come in a white envelope prominently displaying the U.S. Department of the Treasury seal.

It has the Visa name on the front of the Card and the issuing bank, MetaBank®, N.A. on the back of the card. Information included with the card will explain that this is an Economic Impact Payment.

More information about these cards is available at

What Does “Payment Status Not Available” Mean?
Some Get My Payment users might see a “Payment Status Not Available” message. According to the IRS, this could be because:
• The IRS hasn’t finished processing your payment.
• The IRS doesn’t have enough information yet.
• You’re not eligible for a stimulus payment.
• What Does “Need More Information” Mean?

Some Get My Payment users might see a “Need More Information” message. According to the IRS, this could be because your payment could not be delivered. In this case, it will be returned to the IRS.

To get your payment reissued, you can:
• Set up direct deposit through Get My Payment.
• File your 2020 tax return with your correct address, if you haven’t already. The IRS says the fastest way to do this is to file electronically.

If You Have Other Problems
• The IRS notes that some people checking their payment status could receive an error message when using Get My Payment. According to the IRS, this could be because of a simple glitch when you sign in. To avoid this, the IRS says you could try a few things:
• Double-check what the app requested.
• Make sure what you entered is accurate.
• Enter your street address in a different way (for example, 123 N Main St instead of 123 North Main St.).
• Use the U.S. Postal Service’s ZIP lookup tool to find the standard version of your address, and enter it in Get My Payment exactly as it appears on file with the Postal Service.

Keep in mind that if you enter information that doesn’t match IRS records three times within 24 hours, you’ll be locked out of Get My Payment. You’ll be able to access the application again after 24 hours.

Need More Information?
Geddes Federal customers can get answers to more specific questions from this; FAQ about the payments and eligibility.

While the IRS says not to call or contact it for help directly, you can refer to its extensive FAQ about the Get My Payment tool.

And according to the IRS, Get My Payment data is updated once a day. The IRS says it’s worth checking for updates on a regular basis.

For information about COVID-19, head over to the Centers for Disease Control and Prevention.

Government and private relief efforts vary by location and may have changed since this article was published. Consult a financial adviser or the relevant government agencies and private lenders for the most current information.

Where can I get more information?
For more information about Economic Impact Payments, visit

Check the payment status at

For other COVID-19-related tax relief, visit

For Onondaga county,

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Geddes Federal product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

It depends on what term you are looking for. We offer several different products. We offer fixed rates of terms from 30 years down to 7 years or less. Also offered are fixed-Adjustable rate mortgages. The payment amortized over 30 years. We offer a 10-1 ARM, 7-1 ARM, and a 5-1 ARM. For example, if you apply for a 10-1 ARM  the mortgage is fixed for the first ten years. On the eleventh year the mortgage automatically converts to a 1 year adjustable and can adjust up or down 2% maximum per year for the remainder of the term. The maximum rate the mortgage can ever go up is 6.500% above the initial rate you applied for. We also offer a 1 year and 3 year straight adjustable mortgage where the rate can adjust once every year or once every 3 years. Chances are we have a program that will fit your needs. View our full listing of Mortgages Rates in Syracuse, NY here.

We do conventional mortgages only. We require at least 10% down. If you put between 10-19% down we add 1/4% to the rate instead. If you put 20% or more down we consider the going rate we are offering. 

Yes, we do. We have a program called Geddestart.

To qualify you must meet one of the following:

  1. Your gross annual income cannot exceed a certain amount. 
  2. And/or the property you are looking to purchase has to be located in a low to moderate area.

If you don't fall into one of these categories and can put 10% down - being a first time home buyer we will pay 2 of your closing costs for you.  The two items we pay are the NYS Mortgage Tax, and the bank attorney fee.

You pay an application fee up front out of pocket when you officially apply. The application fee consists of the appraisal, credit report, processing, and the flood determination fee, instant delivery fee, recording fees, NYS mortgage tax, and if you are escrowing taxes we would require an escrow deposit to be collected at closing as well. There would be an additional fee if you lock in the loan for more than 60 days, and if you are applying for a construction loan. Typically, you will pay costs of between 2 and 5 percent of the loan amount whether you are purchasing or refinancing your current home. 

Points are an option here. You can pay up to three points. For example if you pay one point (equal to 1% of the loan amount) your rate is reduced by 1/4th%. If you choose to pay two points (equal to 2% of the loan) your rate is reduced by another 1/4%.

Yes. Geddes Federal services all of its mortgage loans. We  will service and hold your loan for the duration. What this means to you is if you ever have a question or issue you can call and speak to someone directly or stop in to see us. No 1-800 #s! We are local lender. All your mortgage documents are held in-house, so there is no chance of information being misplaced.

  1. Being a local lender we offer special features such as a prompt commitment letter-usually 7-10 business days. 
  2. Customer Convenience-Local Orientation. You are not a number to us. 
  3. Flexibility-Non-Secondary market underwriting
  4. No title insurance for properties located within Onondaga County that are below $100,000.00.
  5. Low Documentation
  6. Known for superior customer service
  7. We don't sell your mortgage on the secondary market. 

Yes. We offer Traditional, Roth, Educational, SEP and Variable. Read more about our Retirement Savings options here. 

Yes, up to $250,000 per person through the FDIC.

Since 1933, no depositor has ever lost a penny of FDIC-insured funds.

Today, the FDIC insures up to $250,000 per depositor per FDIC-insured bank.

An FDIC-insured account is the safest place for consumers to keep their money.

Learn more about deposit insurance at,

Yes, we do offer passbooks on regular Savings Accounts and Certificate of Deposit Accounts

Yes. We have one branch located in Limestone Commons, Seneca Turnpike in Manlius, NY.

Our Main Office located in Westvale Plaza

Please stop into or use the convenient Drive Thru at one of our locations.

Appointments are also available at 315-468-6281.

Yes, we offer Online Banking.


  • Bill Pay
  • Balance inquiries,
  • Account transfers,
  • Remote Deposit Capture, 
  • Account history,
  • E Statements,
  • E Mortgage Statements, 

Yes, the Westvale Plaza Drive Thru is open on Saturdays from 9 am to 12 pm.

Yes, we offer a savings account for children under the age of 18 called the "Kids Club" Account

Depending on the type of checking account: New Wave Checking-no minimum balance, NOW Checking- $250.00 minimum balance and Super NOW-$2,500 minimum balance

Yes, we have two ATMs located at the Westvale Plaza office. One is located just inside the front entrance and the second is conveniently located at our

Drive thru.  Both ATMs are 24/7.  Geddes Federal is part of the Allpoint ATM Network. The Allpoint Network is a surcharge-free network of ATMs with over 55,000 locations

throughout the United States, Canada, Mexico, Puerto Rico, United Kingdom and Australia. 

Because we are now a member of the Allpoint Network, these locations are surcharge-free to our cardholders.

Yes, located at the Westvale Plaza location.

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