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The IRS does not verify the name or names on the account for refund direct deposits. Generally, there's no problem with having the money deposited into an individual account as long as you are e-filing your return.
If the direct deposit gets rejected, however, you will get a paper check. It will be up to the bank to accept it or not. If the bank does not accept it, you can send it back to the IRS with form 1310 and request the check to be issued in your name only.
Unfortunately, there's no way to "flag" your e-filed return. You can file a paper return and include the form 1310 with your original return and get a paper check in your name only.