The account we had on file for direct deposit has actually been closed. My bank cannot reopen the account. What’s the easiest way to update the IRS to redo the deposit?

[xmasbaby0]

Did you already e-file?  If you did NOT e-file you can go to the FILE section and change how you want to receive your refund.  If you want direct deposit you need the routing number and your own account number.

You cannot  change banking information while your return is in pending, nor can you change it after the return is accepted.  The IRS does not allow it.

If you e-filed:

Banking information for direct deposit is wrong

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.  Then the IRS will issue a paper check and mail it to the address you put on your tax return.  Expect a delay of at least a couple of weeks to receive your refund.

Here is what the IRS says about entering incorrect banking information

https://www.irs.gov/help-resources/tools-faqs/faqs-for-individuals/frequently-asked-tax-questions-an...

[Opus 17]

You can try calling the IRS.  They will not accept a verbal request to change accounts (for fraud protection), but if you get hold of them early enough, they can cancel the direct deposit and mail you a check instead.  If you can't cancel the DD in time, and the attempted DD is rejected by the bank, the IRS will also mail a check.  The checks will take 3-4 weeks extra.