Ontario and San Bernardino will have the largest percentage of residents receiving federal coronavirus stimulus checks than those living in any other California cities, according to a recent survey.

A recent report by SmartAsset, a technical financial advisory company, ranked Ontario as No. 12 and San Bernardino at No. 22 in the nation, both within the list of Top 25 cities with the highest percentage of households expecting a check.

In Ontario, 96.2% will get a check and about 85.8% will get the full benefit. About 95.6% of San Bernardino households will get a check and 90.4% will get the full amount, the report revealed.

Most of the cities in the Top 25 were from the nation’s mid-section in such states as Ohio, Missouri and Michigan as well as Southern states, including Alabama, Mississippi, North Carolina and Florida, SmartAsset reported.

MORE: What the $2.2 trillion relief package means for Southern California

The number of households receiving the check will vary and the rankings were based on percentage of households receiving any part of the benefit. “Individuals earning more than $99,000 and married couples with no children earning more than $198,000 will not receive a stimulus check,” explained Mark LoCastro, SmartAsset spokesperson in an email on April 6.

Signed by President Donald Trump on March 27, the Coronavirus Aid, Relief, and Economic Security Act, also known as the CARES Act is funded by $2.2 trillion, of which, $250 billion is for direct payments to Americans with Social Security numbers to help offset the economic impact of the coronavirus pandemic.

“Most Americans get a one-time direct cash payment of $1,200, while couples get $2,400,” said LoCastro. But the COVID-19 stimulus check is means-tested.

The check amount decreases by $5 for every $100 above the income threshold of $75,000 for individuals, the same formula is applied to the income threshold of $112,500 for those who filed their taxes as heads of household, and the same cut is applied for above the income threshold of $150,000 for married couples.

“The direct payment amounts are subject to ‘phase-outs’ based on income levels, which means higher-income earners will get less, and the highest earners will get nothing at all,” LoCastro explained.

Hence, those cities with residents of higher incomes will see fewer checks. And the opposite is true.

In Ontario, for example, a city of 176,000 with a $57,544 median household income, will receive the largest number of checks than any city in California. LoCastro estimated about 48,658 households of the 50,569 total will receive a check.

Why did Ontario score so high on the ranking? Some say it is the near even spread of households at or below the $75,000 individual threshold and the $150,000 for married couples. Others say it is the ethnic makeup where Latinos number 70%.

“It doesn’t really surprise me,” said D’Andre Lampkin, who runs a foundation helping low-income residents. “It is definitely a working class community.”

Will it be enough to help those furloughed and temporarily without income?

“No. I’ve been speaking to my neighbors and friends who live in Ontario and find themselves out of a job; $1,200 may cover one payment of mortgage or rent or a couple of utilities but it doesn’t cover a combination of those things at all.”

About 56,049 households of San Bernardino’s 58,385 households will receive a check. What effect on this city of 215,941 people will the checks have?

“I don’t know if it will ultimately be adequate. But certainly something is better than nothing,” said Rebekah Kramer, San Bernardino assistant city manager on April 6.

San Bernardino 5th Ward City Councilman Henry Nickel refused to call the checks a stimulus, saying it is a “lifeline” to get resident through the shock of unemployment and help businesses experiencing huge drops in sales as people stay home to avoid the spread of the deadly virus.

He’s concerned that once the money is in residents’ pockets it won’t feed the city’s near-dry coffers.

“With an impoverished community like ours, which has lost a lot of its retail sector, the money will be spent in other cities so other cities will reap the benefit of those sales tax revenues,” Nickel said.

Those with direct deposit with the federal government may receive checks by mid-April, the White House reported on Friday. Others will get paper checks in the mail beginning in May, but that distribution could take several months, according to news reports.

SmartAsset estimated in its report that about 80% of households will receive the full benefit and 89% will get some kind of cash benefit. Taxpayers using an Individual Taxpayer Identification Number (ITIN) will not receive a check, the report stated.

Turbo Tax has begun a free portal to calculate your check amount.

Editor’s note: This story has been updated to correct the San Bernardino City Council ward of Henry Nickel.