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After you file
@Logiebyyoga I found the site you got that from, and I generally agree. However, that does NOT answer the questions from those who had fees or advances deducted by SBTPG.
One minor technicality about Direct Express cards: Comerica Bank, which issues those cards under contract with the U.S. Treasury, does NOT release routing or account numbers for those cards as ordinarily ONLY Federal benefit payments such as Social Security, railroad retirement, SSI & VA are eligible to go on the card. However, the law DOES authorize the IRS to send stimulus money there; the most likely folks to get it there are those who didn't file for either 2018 or 2019, but receive SS or RRB on the Direct Express card. Since those cards are issued on Treasury's behalf, Treasury knows how to send it to them.