While the IRS is sending out the second round of stimulus payments, some are reporting problems with the money being deposited into a bank account they don't recognize. The IRS states for those consumers getting this payment status not available or who don't get the stimulus money that they're owed, they will have to claim the Recovery Rebate Credit listed on line 30 on Form 1040 on their 2020 taxes. "A refundable credit that can come in and lower your tax liability and actually give you a refund," said CPA Faith Bynum. Bynum said it will take time but you will eventually get the stimulus money you're owed.