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After you file
WE GOT OUR REMAINING MONEY IN THE MAIL.
Today, Jan. 15, I received a letter with an enclosed "EIP Card" from the Dept. of Treasury via a private company, "Economic Impact Payment Card, PO Box 247022, Omaha, NE 68124-7022. (It could have passed for a bill or junk mail, although there was a note on the envelope stating it was neither).
I activated the enclosed debit card. The balance contains the rest of the stimulus payments that were due my family, in full. We are much relieved.
My best guess is that these funds could have been offset -- for anything other than a stimulus payment student loan debts, etc. -- and were diverted to a card-based payment for... programming reasons(??). It was addressed directly to me (who has an offset), and not my wife (who doesn't).
So CHECK YOUR POSTAL MAIL VERY CAREFULLY. I hope everyone gets their payments today/very soon!
More info here: https://www.eipcard.com/
Also here: https://www.irs.gov/coronavirus/economic-impact-payments