What happens when a tax refund gets deposited into the wrong bank account?

QUESTION: What happens when a tax preparer enters incorrect Direct Deposit information, and the tax refund gets deposited into the wrong bank account?

ANSWER: It becomes a civil issue between the bank, the client, and the preparer. This is the biggest drawback to direct deposit! If the tax preparer makes an error on the bank account number then it becomes a civil issue, and the IRS essentially washes its hands of the matter. By contrast, a lost or misrouted IRS refund check is easy to replace. Source: https://www.irs.gov/faqs/irs-procedures/refund-inquiries/refund-inquiries-18

SOLUTION: ALWAYS have the client double-check and initial their direct deposit information. Every. Single. Year.