My understanding is that because of this stimulus going on, if you file, even if you don't have a refund, and put your Direct Deposit information on your return, they will be harvesting that information.

They (the IRS ... see their COVID announcement from like 2 days ago) are telling people to file a simple no-tax-due return in order to get their bank information to the IRS. I don't know why they would say that if that's not how they're getting that information.

Under normal circumstances, I would agree that if you don't have a refund or use the EFT to pay a balance, the IRS doesn't get your bank information. But we are NOT living under normal circumstances right now. 

Not that I would recognize normal if it hit me in the face.... 😄