Missing payments must be handled with the IRS.
If the bank account was closed or the bank otherwise returned the direct deposit, the IRS will reissue the payment as a U.S. Treasury check or an EIP Card to the address they have on file.
The 2020 taxes filed should have had the updated address. If the address was not updated, then see: IRS: How do I notify the IRS my address has changed?
Please see this resource for requesting your payment, receiving your payment, and support for payments issued but lost, stolen or not received: Questions and Answers about the Third Economic Impact Payment | Internal Revenue Service.
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