Once you file your tax return and it is accepted, you can't change your bank information. If the bank refuses your refund because you no longer have the account, the IRS will issue a check for your refund and mail it to you.
You cannot change it.
If you e-filed:
Banking information for direct deposit is wrong or closed
If you entered incorrect banking information for your refund, you can change it if your return is rejected. If it is accepted, however, it is too late to change it. The bank will reject the refund and send it back to the IRS. Then the IRS will issue a paper check and mail it to the address you put on your tax return. Expect a delay of at least a couple of weeks to receive your refund.
Here is what the IRS says about entering incorrect banking information
If your refund is sent back to the IRS—- make certain that the address you entered on your Form 1040 is correct. And…open all mail, even if it looks like junk mail.
I need to change my bank account number on my federal and state returns for 2023.
On the account number..please remove 31510, the rest of the account info is correct.
Once your return is filed you cannot change your account information. If your bank does not accept your refund you will receive your refund by check in the mail.