If you had a refund on your most recent tax return and included account information to receive a direct deposit, the IRS will use that account information to deposit your stimulus check.
Typically get a check or prepaid debit card? Unfortunately, since December 22, 2020, taxpayers can no longer change or share their direct deposit information with the IRS via the Get My Payment tool.
Still, if you haven’t received your payment yet, you can claim it via the Recovery Rebate Credit when you file your 2020 tax return and have your refund deposited directly to your bank account.
If you are looking for your third stimulus payment (EIP3), you won’t be able to add direct deposit information unless you check Get My Payment and see the “Need More Information” status—if your payment didn’t go through the way the IRS sent it, it will allow you to provide direct deposit info, but otherwise the IRS would prefer you file your 2020 tax return to update your bank info. Also, the IRS may decide to send your payment by check or debit card if it doesn’t have any bank info on file.