Refund issue

At the address, which was filled in the ITR.......

If return not processed, you can change the address.....

Cheque issued on Address register in PAN Card.  

You can check your address on PAN card by address on TDS 26AS Report. 

An option of ECS in account also available. 

If your cheque returned than you can request for ECS through incometaxindiaefilling website.