Okay I am in "file" and I select direct deposit. It shows an account that I do not want to use. Why can't I change the incorrect accounting and routing numbers?

HOW TO CHANGE OR ENTER BANKING INFORMATION FOR REFUND

https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/change-transferred-direct-deposit-information/L77NCbU6D_US_en_US?uid=m6tuh572

You cannot  change banking information while your return is in pending, nor can you change it after the return is accepted.  The IRS does not allow it.