Just read the CARE Act. It appears the $1200 stimulus check is a credit against your 2020 tax return

or am I reading it incorrectly? What do you think?

21 ‘‘SEC. 6428. 2020 RECOVERY REBATES FOR INDIVIDUALS.
22 ‘‘(a) IN GENERAL.—In the case of an eligible indi-22 vidual, there shall be allowed as a credit against the tax 23 imposed by subtitle A for the first taxable year beginning 24 in 2020 an amount equal to the sum of— 25
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O:\HEN\HEN20312.xml [file 1 of 2] S.L.C.
‘‘(1) $1,200 ($2,400 in the case of eligible indi-1 viduals filing a joint return)

Link to full text:

assets.documentcloud.org/documents/20059055/final-final-cares-act.pdf

h/t Patriotic