The IRS will send your refund to the card that you put on your return. If the bank does not have that care in your name, it will send the money back to the IRS and the IRS will send you the money in a paper check to the address on your return.
You can make changes to your banking information at the IRS Get My Payment site, but it will be too late lto make changes for your 2020 refund if you have already filed.
The changes will be there for future payments.
