No, you are not lost out of a refund. Once the bank rejects the direct deposit, they will send it back to the IRS. Once the IRS receives the rejected deposit, it can take a few weeks for the IRS to process and mail a paper check to the address listed on your tax return.
Please see Where’s My Federal Refund? to check the status of your refund.
You can also see What if I entered the wrong bank account for direct deposit? And IRS Refund Inquiries 18 for more information.
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