You are causing yourself a lot of unnecessary stress and worry. When the bank rejects the refund, the money goes back to the IRS and the IRS mails a paper check to your address on the return. Mail out of DC is painfully slow. I waited more than six weeks to receive a letter from the IRS.
Contact the IRS, find when your check was mailed and ask to have a trace put on the check. It is most likely sitting in a mail truck somewhere and will get to you in time. The person at the bank probably does not know how to look up the rejection so told you it did not exist. If it was not rejected, the money would be in your account.
