After you file

What?   If the bank rejected your deposit because you were using someone else's bank account, the check was sent  back to the IRS.   The IRS will issue a paper check and mail it to the address on your tax return.    In the future---do not try to use someone else's bank account.   Open your own bank account or use some alternate method of receiving payments.

 

https://ttlc.intuit.com/questions/1901159-can-i-deposit-my-tax-refund-into-someone-else-s-account

 

You can have a discussion with a bank about trying to use a copy of a check.

**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**