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When you complete the 2020 federal tax return you will be asked in the Federal Review section if you received the 1st and 2nd stimulus payments. If you did not then answer No.
The Recovery Rebate Credit will be entered on the federal tax return Form 1040 Line 30. The credit will either increase your federal tax refund or decrease any federal taxes owed.
The 3rd stimulus payment is not a Recovery Rebate Credit so is not part of the 2020 tax return. The IRS issues the 3rd stimulus payment based on either your 2019 or 2020 tax return.
Go to this IRS website for the 3rd stimulus information - https://www.irs.gov/coronavirus/get-my-payment
you must file a 2020 tax return with the amount you did not get on line 30.
That's the only way.
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