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Can my Economic Impact Payment (EIP) be garnished from my bank account?

It depends.

If your EIP is directly deposited into your bank account by the Treasury Department, then your bank may be required to automatically protect EIP funds from garnishment for 60 days from the date of the deposit. There are some exceptions, including for certain garnishment orders issued by a federal agency.

If your EIP is deposited into your bank account by other means, then the protection is not automatic. EIP funds may be eligible for protection for 60 days from the date of the deposit, but you must first contact your bank and request that EIP funds be protected.

For more information on bank account garnishment, review the garnishment information under the debt management topic on our Help With My Bank website.

Last Reviewed: January 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.

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