Thanks ....The reason I asked that question is many years ago I e-filed a return with direct deposit for a client... He transposed two numbers on the checking account number he gave me and didn't realize it until days after efiling... after the credit union was contacted, they said the direct deposit did not go through yet, but even if it did, they stated that they would have deposited it into the correct bank account number since they said that they check the bank account numbers with the names of the owners, not sure if that was accurate or not ....