Once your return is accepted, the banking information you provided to process your refund or amount due, can no longer be changed. Once the return is accepted, the IRS and/or state will begin to process your return. This process cannot be stopped. You can contact your state or the IRS directly to find out if there is anything that you can do. However, once your return is processing, you cannot transmit any new data to the IRS/state or stop the current return from being processed. If the return has not posted to the Where's My Refund tool you can request for the IRS to stop the direct deposit. You may contact the IRS at 1-800-829-1040 Monday-Friday 7am-7pm.
If you are expecting a refund, the IRS and/or your state(s) will first attempt to deposit your refund based on the banking information you provided. If the information that was entered was invalid or incorrect, the bank will refuse this attempted deposit. At that point, the IRS and/or state(s) would then issue a check to you for the amount of your refund. The check will generally be mailed to the mailing address that you listed on your return when it was filed.
If you have an amount due to the IRS and/or state(s), the IRS and/or state(s) will attempt to make the withdrawal based on the banking information that you provided. If the account information is incorrect, the bank will refuse the debit. At that point, you must pay your amount due by mailing in your payment. To do this, you simply need to print the payment voucher and mail it, along with your payment, to the address that is provided on the voucher. Use the printer icon on the My Account screen next to the accepted return to print out the voucher.