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After you file
I had the same issue this year (on my 2022 return). I've used direct deposit every year since using TurboTax, which is many years. This year I received my IRS refund in a paper check by USPS mail and the amount was incorrect. I contacted my financial institution and they said that no direct deposits were rejected on their side and that by policy the only reason they would reject a deposit is if the account was closed. None of the reasons stated on the TurboTax posts or the IRS website for rejecting a direct deposit apply to me. IRS direct deposit has worked many years in the past. The IRS just mailed the refund this year instead of direct depositing it and there's no explanation given with the check. The IRS website provides no way to contact a real person to provide explanation. All web searches just refer to their FAQ webpage.