So we have a problem. The IRS is telling us to file no tax due tax returns for those receiving social security or other non taxable income and who would ordinarily not file in order to get this stimulus check and to provide the banking information on said return, yet this program is NOT forwarding the banking information to the IRS even though it was input into the information page. And please don't mention osmosis again because that is redundant. The program should put the banking information on the tax return whether they are getting a refund by direct deposit, paying by direct debit or by check or have a zero tax return because that is what the IRS is telling us to do. No osmosis necessary rewrite the program.