The IRS will issue a paper check, if the financial institution rejects the deposit.
how long does that usually take? is there anyway i can put a different card information in once its been accepted and approved?
No, unfortunately, you cannot make changes after you have filed if it has been accepted.
You can check for updates in the status at irs.gov. Here is the link: <a rel="nofollow" target="_blank" href="https://www.irs.gov/refunds">https://www.irs.gov/refunds</a>
To check the status of a State Return use this useful link, How do I track my state refund?: <a rel="nofollow" target="_blank" href="https://ttlc.intuit.com/questions/GEN85139?legacy=true">https://ttlc.intuit.com/questions/GEN85139?legacy=true</a>