How did you set up to get your refund? If the IRS plans to send it to by direct deposit to your bank, if the bank refuses the deposit, it will go back to the IRS, who will issue you a check in the mail. Talk to your bank and ask them what will happen.
Did you use Free Edition with no fees at all, or did you have any optional add-ons that you chose to pay out of the Federal refund? If you had any fees that you paid that way, then an intermediary bank is involved, and we can tell you more about what would happen in that case. If you had no fees to be paid out of the Federal refund, then that would not apply to you.
