The account number, bank routing number and your personal info (your name must match the return) are the most important data. It's unlikely, your bank will bounce it back to the IRS because you didn't select the correct type of account. When you use Refund Processing, the refund goes to the 3rd party bank 1st, then on to your bank account. So if your bank sends it anywhere, it would be back to the IRS. Your bank will be able to confirm if they send it back to IRS.
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