Is it too late to change my direct deposit account where my federal refund it’s supposed to be deposited? and if I was able to change my direct deposit account or I want my refund to go to would

Once your efiled tax return is submitted and accepted, it is too late to change the direct deposit instructions for your refund. If the account you put on your return is no longer valid, the bank will refuse your direct deposit and the IRS will issue a paper check and mail it to you at the address on your tax return.

In most cases, once the IRS has accepted your return (or you've already mailed it), there's not much you can do.

If the info you provided is for a closed or invalid account, the government will mail you a refund check.

If you entered a valid (but incorrect) account number not belonging to you, usually there's nothing to worry about, as many banks won't deposit tax refunds into accounts where names don't match up. You can try calling the IRS to stop the direct deposit, if your return hasn't posted to their system yet (and you're willing to get your refund via paper check). For security reasons, the IRS cannot re-route your refund to a different account.