You can update your banking information for your refund if you haven't already filed your return. Here's how: https://ttlc.intuit.com/replies/5619072
If you have already filed your return and are worried about your account being inactive, the TurboTax FAQ below offers some assistance on what will happen if the IRS is unable to deposit your refund into your account:
https://ttlc.intuit.com/replies/3302459
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