Guess some of you misunderstood what I said.  I never said the YES box should be automatically checked off.  I said the Yes and No Box should be left blank and to give us an error message to make sure we check off one of the boxes.  Often times I have clients that owe on the Federal end, yet receives a refund on the state end. I would want them to receive a direct deposit.  And please don't say I should take more time to review everything on the return.  I do my best to review everything.  And if I were the current director of the Division of Taxation of NJ, I would fire myself.  However, if I were the Director, on day one, the first thing I would do is hire more technical telephone support to answer the phones, so us accountants with questions don't immediately hear, "Due to heavy call volume, we're unable to answer you call at this time.  Please call back another time. Good-by" (CLICK.)  That's baloney.  The second thing I would do is require the tax preparer to check off either the Yes or No box for Direct Deposits!  And while I'm at it, the IRS isn't doing us any favors by enforcing this April 15th deadline.  That date is no longer realistic in the world we live in!  Sadly, I have a ton of extensions because my clients just don't receive all their tax info early or even before April 15th.  Enjoy your summer!