If your bank account is closed and the Stimulus Payment would be a direct deposit, the deposit will be returned to the IRS.
The IRS will then send you a check for the amount.
From the IRS website
For security reasons, the IRS plans to mail a letter about the economic impact payment to the taxpayer’s last known address within 15 days after the payment is paid. The letter will provide information on how the payment was made and how to report any failure to receive the payment. If a taxpayer is unsure they’re receiving a legitimate letter, the IRS urges taxpayers to visit IRS.gov first to protect against scam artists.
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