If the bank sends back my refund can I have the irs send it to another account instead or is it to late

[Jimesa]

Unfortunately if your bank rejects your Federal refund deposit the IRS will then process your refund by mail. Within the next few days you will receive a letter from the IRS saying that the electronic deposit couldn't complete and following the letter you will receive a check in the mail. Please see below for more context and information:

What if I entered the wrong bank account for direct deposit?

https://ttlc.intuit.com/replies/3302459