refund direct deposit vs auto withdrawl

[rhhunnings]

My problem is the 1040 had a refund and the state had a balance due. There should be separate selections for each and rather than in the info page it should be on the final portion of the tax return where you have the option of applying a refund to a future period. At that point all the banking info is available and selecting an option (apply-refund-pay) would be mutually exclusive within the tax return and each tax return could have an independent choice.