This question is family related, so I understand if everyone needs to be cautious with opinions. I have a niece who died unexpectedly recently. Her 16 yr old daughter is now in custody of grandparents. Now how to stop the advance credit?  The opt-out option requires an account to be set up. I am thinking just close my niece checking account and let the advance payments be returned to the IRS.  Except she was also due a refund concerning the Unemployment tax law change, and that should be deposited to that account. Any advice will be greatly appreciated. I just think I am too close to this situation to think clearly.