My guess, not particularly educated, is that the EIP's went into the husband's bank account.  Do you have the 2018 return?  Was the income low enough to qualify?  

A balance due on 2019 won't affect when any EIP is allowed, so file it without payment if there is economic hardship.  (Meaning, at least you should get paid first.)  Is there a balance due on 2020, even claiming a recovery rebate credit?  IRS might disallow it but that will take months and at least you will know for sure what was allowed. 

You can still check online whether EIP#3 was paid in March or April.  If not, that would have to be claimed on 2021 return now.  

No kids, so not qualified for HoH either year?