I spent 45 minutes on hold with the IRS this morning so hopefully I can save you some time. The IRS is still processing electronic and paper returns. The 21 day return is not a reality right now. Its more like 8-12 weeks.
If you owe money your return will not get processed until August or September. The IRS is processing returns first so that they don't have to pay interest. They don't care about charging you interest and fees if you underpay.
There was a cut-off date for determining your stimulus check. If you didn't qualify based on 2018 but you made less in 2019, it doesn't matter. Your return would have had to be processed already. Small loop hole they didn't think about. If you made less than 75k in 2019 but you made more in 2018 and will in 2020 you are not getting a check.
