you forgot about the BBB. but it is a problem of your own making asking for direct deposit into an invalid account. since the iRS sends the refund electronically to the bank, the rejection would have resulted in an electronic return to the IRS - no paper checks. then the IRS has to get around to printing a paper check which is then mailed to the address on your return. this can take many weeks. you might want to call your bank as to how to deposit a check made out to both of you to an account that's in only one of your names.
