The IRS will use the most recent payment information on file for you to send your stimulus payments (whether EIP1 or EIP2). If you no longer have access to the bank account associated with the prepaid card you used for your tax refund, the bank is required to return the payment and the IRS will deliver the payment via check or prepaid debit card from MetaBank. If the IRS doesn’t send you a payment, you’ll have to claim any missing amounts via the Recovery Rebate Credit when you file your 2020 tax return.
If your payment has already been scheduled for delivery, you won’t be able to change the account it is delivered to. Check out our posts on what to do if your payment went to an unfamiliar bank account or to an account you no longer have access to.