In that case your refund is coming directly from the IRS (and your state, separately, if you are expecting a state refund.)
The IRS will mail a check a few weeks after the deposit bounces. You can try and call the IRS and request they cancel the direct deposit and mail a check without waiting, assuming you can get a human on the phone. For security reasons, they won't accept a request to change to a different bank account number. 800-829-1040
Check your state tax department web site for similar info.
