You will have to keep an eye out on the irs where's my refund app to see when the IRS has processed hour refund when it shows you your date, note the date and on that day call your bank with ask to spk to someone in the transfer funds department or ach at this time you should be able to talk to your bank tell them to transfer your funds into your open account. *Note* that you should ensure that you have an open account with the same bank as your closed account. Do this within the same day the irs has issues your refund because the next business day the bank will send it back and you will have to wait 10+weeks. It is a lot to do but it's worth it if you dont want to wait. ****Another side note this is something that was experienced at PNC Bank but it's worth a try with any bank
