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Sorry--if your return has already been accepted you cannot change the banking information that you entered. The IRS does not allow it. If the bank refuses the deposit the refund will go back to the IRS and then the IRS will issue and mail you a check using the address on your tax return.
Here is what the IRS says about entering incorrect banking information
If your refund is sent back to the IRS—- make certain that the address you entered on your Form 1040 is correct. And…open all mail, even if it looks like junk mail.
You will need to cancel the federal tax payment.
You can use the IRS payment website for Direct Pay to pay the taxes owed after cancelling the payment - https://www.irs.gov/payments/direct-pay
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