Thank you for your response.  Yes, I get that error as well on the Federal end.  However, on the New York return that I am currently working on, the "X" defaults to "Use direct deposit for any state refund".  That is the issue and problem I am having.  The individual has an amount due and NO error is reflected.  And come crunch time, where we have no time to think because the April 15th or 18th just doesn't give us enough time to think, these things are overlooked. The program should not default to putting an "X' in that box!