A Federal Reserve report found consumers are mostly saving the payment. When more Americans are vaccinated, they might spend more.
Over 7 million Americans don't have bank accounts. One big incentive to opening one: direct deposit of federal relief payments.
Deals and other offers are likely to appear online, where people have already been shopping during the pandemic.
House Democrats have proposed sending $1,400 checks to Americans, with the full amount going to people who earn up to $75,000.
Cards are usually cheaper than checks. Unless there's a dispute.