On the state returns I do, the Yes box for direct deposit is checked if it is checked on the federal worksheet, and then there is a box that needs to be checked to indicate that the funds won't eventually go to a foreign account.  Which of course they will, when someone buys an iPhone or Lenovo computer and the money goes to China.  But let's not talk about divestment.  My New Jersey client retired and does not have to file returns now, so I am not familiar with the situation.  Are you saying that even if the federal worksheet is filled out for direct deposit, the same information must be entered on the NJ worksheet?