Your bank will no allow the deposit to go into your account if your husbands name is not on the account also. The bank will reject the deposit and then your husband will have to wait for the funds to be sent back to the IRS and then they will issue him a paper check to be sent in the mail via USPS (Regular postal service). I only know this because my mother in law had this issue and luckily she added her fiance to the account before it was sent so there was no issue. The bank told her that all banking institutions work this way and will not allow deposits with out the receiving party being listed on the account because it would be a form or fraud and anyone could take someone elses money. Hope this helps someone avoid this from happening. I know this post is old but im sure someone else will have the same issue.
