You can go to the Get My Payment site and check to change your bank information. That will show you the account that the IRS has on file for your stimulus payments. The site will also tell you if a payment has been processed yet If you change the bank information now, it may not affect the 3rd payment, but will be correct for any future payments.
If a payment is sent to an account that is not yours, the bank will send the money back to the IRS and they will issue a paper check and mail it to your address.
America Rescue Plan Update
