If you used refund transfer, the IRS is not supposed to send your stimulus payment to that bank, they are supposed to mail you a check. The IRS has screwed up this year and sent some stimulus payments to the bank anyway, which is bouncing them.
First you need to go to the IRS website and check your eligibility and see if a stimulus payment has even been issued. The IRS has until January 15 to mail you a check or a debit card if it can’t make a direct deposit. If the IRS does not mail a check or debit card before January 15, then you will have to claim the credit on your tax return.
