Thank you for the great breakdown. We have not filed yet.
however, for Stimulus check #2, when I called Intuit customer service they stated they had been working with the IRS to correct the oversight. My assumption was Intuit helped the IRS with the bank accounts since I received a direct deposit three days later.
so, more specifically, has intuit proactively engaged the IRS yet with the understanding this will likely be the case and to help assure the IRS has their customers bank information as they did for the second stimulus check...I.e. problem
averted prior to this being a problem again.