It depends. They will use the latest bank account information they have in your file which will be:
- Your 2020 tax return.
- Your 2019 tax return if your 2020 return was not processed when the IRS started issuing payments.
- Information you entered on your Non-Filer registration in 2020.
- Information you entered on Get My Payment in 2020.
- A federal agency that provides you benefits, such as: the Social Security Administration, Veteran Affairs or the Railroad Retirement Board.
- Federal records of recent payments to or from the government, where available, for those without direct deposit information on file with the IRS.
If the bank account is closed, a paper check will be mailed to the last known address.
The best thing to do would be to file the 2020 tax return as soon as possible to establish your preferred account.
See: Get My Payment Frequently Asked Questions under Bank Account.
