The IRS does not have any information about any of my bank accounts. The first stimulus they sent a check. The second and third they sent the letter saying payment was "issued," but we got no card or check in the mail. Checking the website only said something like you are entitled to the stimulus payment, we have no further information, check again later, until the website was finally shut down.
As far as whether the $2800 is already in "our IRS account," whatever that is, if there's some $2800 credit floating around somewhere, I want it in my hand, and the only way I know how to get it is to claim it on the 2021 return. Which I am doing.
