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The bank will likely refuse it, since the name on the deposit doesn't match the name on the on the bank account. When the IRS gets it back, they will mail you a check.
be patient. it could take up to two months to get the check. it will be mailed to the address on the return. if you move in the meanwhile make sure you update your address with the USPS and file form 8822 with the IRS.
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