I just e-filed a client's 2022 return. She told me to use the same bank account as the year before, not realizing the prior year return had her refunds going to H&R Block's bank account.  I'm not affiliated with H&R block in any way. (the proir year she told them to take their fee out of her refund, and so her prior year 1040 shows H&R Block's bank details for direct deposit of her refund).  

I thought, I will just efile an amended return, changing the bank account info for direct deposit.  Turns out the E-file form for 1040-X isn't available until 3 weeks from now, at which point H&R Block will already have her refund direct deposited (she's no longer their customer).

I dont know what to do and I'm freaking out.