Puzzling fact, confirmed by many: If you filed 2019 taxes but did not supply bank information to the IRS, you can go to the IRS "Get My Payment" site to enter your bank information in order to get a direct deposit rather than a paper check by mail. But if you neither received a refund nor owed an amount on your 2019 return, your request will fail. You must select "refund" or "owed" and enter the amount, but when you select either and enter an amount of $0 you get a "Technical Difficulties, Error 109" failure. The IRS is apparently investigating.