Did your mom's bank already refuse the deposit and sent it back to the IRS? If so, the IRS will issue a paper check in the mail. There's not a way to have the IRS "retry" another deposit when one is refused.
Did you have any TurboTax fees that you paid out of your Federal refund? If so, then that is handled by an intermediary bank. A refused deposit goes back to that intermediary bank, who issues the paper check. If you didn't have any TurboTax fees, or if you paid them upfront, then this won't apply to you.
