Q. I chose direct deposit for my 2007 tax refund but also requested a refund anticipation loan (RAL) from my preparer. How does that affect my stimulus payment?

A. Taxpayers who use RALs or enter into any other loan or financial agreement with their tax professional cannot receive their stimulus payments by direct deposit and instead will get a paper check.

So, if you used Turbotax or H&R Block and got a rapid refund, you will not get your direct deposit as anticipated.  I should have gotten my stimulus payment yesterday and when I didn't, I immediately started looking around for why.  It would have been nice to know this before I started kind of spending the money. Not massive amounts, probably less than $40, but still.  So, if you're wondering why you haven't received anything, this is why.  Start checking your mail box next week, kids.