My situation is slightly different. My husband died in Jan. 2020. Social Security was advised. I filed our 2019 tax return as surviving spouse, had to mail it in as IRS rejected the e-file. I closed our joint checking account and opened one for me, not expecting to receive any funds for him. I will be opening one for his estate after I can take care of probate and go into a bank.
Meanwhile, IRS sent the stimulus deposit of $2400.00 to the closed account. The bank sent it back since it was in his name and mine. So, instead of checking any other agency, or even their own, IRS sent a check made out to my deceased husband and me. I will not be able to cash it. My only option is to mail it back with a letter explaining the situation!
