If you've already filed and your return has been accepted (or mailed), it's too late to change your bank account for direct deposit instead of your home address. In most cases, once the IRS has accepted your return (or you've already mailed it), there's not much you can do. You may call The IRS toll-free at 800-829-1040, M - F, 7 a.m. - 7 p.m.