Dumb IRS! I used the so-called tool to track the status of my payment. After entering my personal information, it said that I was eligible for the payment, but that they did not have direct deposit information! What a bunch of crap! As I mentioned above, BOTH the IRS and the SSA have my direct deposit information. And I did file our 2018 return, and recently our 2019 return. Most of that return contains the income from our Social Security, and the IRS said they'd be able to use that. Also, back in mid March, I filed a 2020 Estimated return, in which I directed the IRS to take $1 from our account. I of course needed to provide them with the Routing Number (for Wells Fargo, in our case), along with the account number, and they did generate the $1 debit to the account.
So, I don't know WTF is going on!