If you requested a direct deposit of your refund, but your name at the bank didn't match the name on your return, then the bank may have rejected the direct deposit. However, if it was rejected by the bank then the IRS will issue you a paper check for the refund instead to your last known address on file. Once you've received the check in the mail, the IRS cannot compel a bank to cash it for you. But, there are many places that will cash refund checks that are not banks.
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