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If the return has not already posted to the IRS system, you can ask the IRS to stop the direct deposit. You may call them toll-free at 800 - 829 - 1040, M - F, 7 a.m. - 7 p.m. If the refund date is posted then they cannot stop this action.
Generally, if the financial institution recovers the funds and returns them to the IRS, the IRS will send a paper refund check to your last known address on file with the IRS.
The IRS handles account or routing number errors as follows:
There is seldom anything you can do to fix this once you send. Putting in the wrong account generally results in you having to wait for a paper check.