Per the IRS, if the account was closed or no longer active, the bank is required to return the deposit. Your payment will be issued as a check to the address they have on file for you. This is generally the address on your most recent tax return or as updated through the United States Postal Service (USPS).
Your bank account information (last four digits 7946) would have been obtained from the most recently filed tax return or information entered in Get My Payment.
Questions and Answers about the Third Economic Impact Payment — Topic G: Receiving My Payment
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