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Since the IRS is a government agency and is not in the business of keeping track of you it is likely that they do not have your current address. This is true for a number of reasons. Further, the IRS unlike Visa for example cannot obtain your current address from traditional sources since this would beach privacy laws. Basically, an IRS request from a typical mailing house tips them off that you have tax debt problems, that's a no-no for a federal agency.
You can find out by running a simple credit check if you are not sure if the IRS has filed a tax lien. If they have, it will come up on a credit report unless it was filed very recently. On the credit report see if you can determine the date the lien was filed. If it was filed two years of more ago, you're in the seizure short list.
There is no law requiring you to keep money in the bank for the IRS seize. If you are recieveing threatening letters, had a lien filed over two years ago, IRS agents are calling or stopping by your home or office then for sure keep the bank account low. Let me define low; only have money in the bank you can afford to lose without notice.
I would not use the bank to pay bill either. We have heard the IRS agents look to see what time of the month your bank balances are the highest; which is usually when you just paid bills but the checks have not cleared the bank yet. If you put the money to pay bills in the bank and then the IRS seizure hits before they clear you are done. That will cause serious financial problems. The IRS will clean you out and all of your payments via check will bounce. You may even consider closing your bank accounts altogether. If you think you are in the hot seat, cash your paycheck then pay bills with the cash or money orders. Be sure to get receipts so you have proof of existing bills when you decide to make a deal with the IRS.
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