I'm up in the NW corner. I have always filed paper (pencil and paper back in the day and Turbo Tax printout for last 15-20 years), never have provided the IRS with my bank nos. I'm paranoid enough to believe they know my bank account nos. anyway but I always said I wasn't gonna volunteer nos. and make it easy for them. But I also figured if the IRS was ever hacked, I'd prefer my nos. weren't in their system. And my tax situation has been that I always send the IRS a check, not the other way around, so I mailed it as late as I could.
Now retired, this year I had a refund coming so I filed about as early as possible, early Feb IIRC. I got my refund within about a month IIRC. When they announced the $1200 stimulus check, they gave people like me that don't file electronically, the opportunity to give the IRS bank nos. at a specific website so that you could get the money "much quicker". But that wasn't required and I was content to wait for snail mail.
I received a paper check (not a debit card) about 2-3 weeks ago. Just about the time I received the check I had read that they were starting to send checks out some time in May to folks like me with no bank nos. on file with the IRS.
And a few days after receiving the check, I got the letter from the IRS/President Trump that others have mentioned telling me to expect the "check/debit card". Since I already had the check, wasn't sure what the debit card thing was all about.
That's my story. Point is, I filed 1040 very early this year. The later you file, the longer it normally takes for the IRS to process a return and send a refund. With Covid, I'm guessing it has been even slower processing this year.
I expect that explains the slow processing of your return.
Not sure if that affected the stimulus but doubt it. The IRS was basing the stimulus on 2019 returns but if you hadn't filed 2019 yet they would revert to your 2018 return.
I'm guessing you are one of the unfortunates that are to receive a debit card in lieu of a paper check and the "account no." you've been given is probably the account no. on the debit card.
Read this article from the AJC:
https://www.ajc.com/news/some-throw-...O7ZbSa0Ur6fVI/
Supposedly the Debit Cards were expected to get the stimulus to folks, with no bank nos. on file, faster than a paper check would happen.
Sounds like it is working as well as most government programs.
We got our paper check and my wife deposited it from the comfort of our sofa using our bank's phone app. Easy peasy.
Just don't throw your debit card away when it finally shows up! Best of luck.