Help! Okay I had filed for my return to be DD to my card.com bank and sure enough after it was accepted and stuff a week or two later I get an email card.com is closing!

[xmasbaby0]

If you e-filed:

Banking information for direct deposit is wrong or closed

If you entered incorrect banking information for your refund, you can change it if your return is rejected.  If it is accepted, however, it is too late to change it.  The bank will reject the refund and send it back to the IRS.

https://www.taxpayeradvocate.irs.gov/news/tax-tips/direct-deposit-changes-for-2026-could-affect-how-...

You may get this notice— a cp53a notice

https://www.irs.gov/individuals/understanding-your-cp53a-notice

If you take NO action—-the IRS will freeze your refund for at least six weeks and then mail you a check.

If your refund is sent back to the IRS—- make certain that the address you entered on your Form 1040 is correct.  And…open all mail, even if it looks like junk mail.

And……if you choose “refund processing” or the “5 day early” offer, those involve a third party bank; sadly, you will have a lot of additional aggravation in tracking down your refund and getting a check.

[NicolleR1]

If your card account appears closed, don't worry. The bank will refuse ‌direct deposit and return the money to the IRS. Then, the IRS will issue a paper check and mail it to the address listed on your tax return within 2 to 7 weeks. 

You should keep tracking your refund in the following link:

Where's my Refund