You can't change your payment method on your tax return if you have already e-filed AND it has been accepted. If it gets rejected, just log back in and make the necessary changes.
Per the IRS:
- Once your return is accepted, information pertaining to your payment, such as account information, payment date, or amount, cannot be changed. If changes are needed, the only option is to cancel the payment and choose another payment method.
- Call IRS e-file Payment Services 24/7 at 1-888-353-4537 to inquire about or cancel your payment, but please wait 7 to 10 days after your return was accepted before calling.
- Cancellation requests must be received no later than 11:59 p.m. ET two business days prior to the scheduled payment date.
- If a payment is returned by your financial institution (e.g., due to insufficient funds, incorrect account information, closed account, etc.) the IRS will mail a Letter 4870 to the address we have on file for you, explaining why the payment could not be processed, and providing alternate payment options.
- In the event your financial institution is unable to process your payment request, you will be responsible for making other payment arrangements, and for any penalties and interest incurred.
Pay Taxes by Electronic Funds Withdrawal: https://www.irs.gov/payments/pay-taxes-by-electronic-funds-withdrawal