By law, any returns that include Earned Income Credit and/or Additional Child Tax Credit will be held until around mid-February. And refunds from those returns will start releasing in late February. Please see below for additional details.
And if the bank account you provided is for a closed account, the bank will reject it and send back to the IRS. Then the government will mail you a refund check. There is no way to make any changes to the account number once the return has been filed and accepted.
If the return hasn't already posted to the IRS's system yet, you can try calling and ask them if they can stop the direct deposit before it goes to that account, and mail a check. You can call them toll-free at 800-829-1040, M - F, 7 a.m. - 7 p.m.
PATH Act delayed refunds for some filers