Can I change refund from apply to next year's tax to direct to bank account?

Sure ... if you have NOT yet filed the return then return to the section where the "apply to next year" option was chosen to undo that choice ... then recomplete the FILE tab.

• How do I apply my refund to next year's taxes?

If you have already filed the tax return (and if you e-filed, it was accepted), you cannot change the refund from being applied to next year.