The IRS will not change the account for a direct deposit, but you may be able to ask them to cancel the deposit and to mail a check instead if you reach them in time.
IRS: 800-829-1040 hours 7 AM - 7 PM local time Mon-Fri
Listen to each menu before making the selection.
First choose your language. Press 1 for English.
Then do not choose the first choice re: "Refund", or it will send you to an automated phone line.
Instead, press 2 for "personal income tax".
Then press 1 for "form, tax history, or payment".
Then press 3 "for all other questions."
Then press 2 "for all other questions." It should then transfer you to an agent, but there is likely to be a long wait.
I usually use a speakerphone so I can work on something else while waiting.
If you can't cancel the deposit, the IRS will attempt to deposit it in your bank, and if your bank refuses, it will go back to the IRS, who will issue you a check in the mail.
There is another scenario. If you chose to pay any fees out of your Federal refund, an intermediary bank is involved. The IRS will send the deposit initially to that intermediary bank where the fees are subtracted. Then that bank will try to make the deposit to your bank. If it fails, it will go back to the intermediary bank, and the intermediary bank would issue you the check by mail, less a $20 service fee. If you did not use that service to pay the fees, then this paragraph won't apply to you.
