I assume you mean the refund is more than $10,000. If so, the answer is probably Yes, the IRS will most likely convert the refund to a paper check. The IRS doesn't officially publish the threshold, but I've seen refunds less that $10,000 converted to check. The check typically takes only about another week to ten days. You can monitor what's happening by going to Where's My Refund at irs.gov. That system won't tell you whether the direct-deposit will be converted to a check, but it will tell you if that happens and when to expect the check.