This is NOT a terrible feature ... normally you would have no reason to enter the bank info if it will not be used.
BUT because of this stimulus check it seems to be an issue for a few ... work around is to mail in the return so you can manually enter the DD info on the 1040 form... (not a good option since paper returns can take 6-8 weeks to process because they require entry by a human ... and the IRS is in short supply of those right now)
Or you can efile the return like normal and just get the check mailed to the home.
It may be possible that the TT program "MAY" be changed to allow it but don't count on it. AND the IRS mentioned it was "WORKING ON" an online option for taxpayers to update/add their DD info for the stimulus checks HOWEVER neither option is guaranteed to be out soon or to work correctly.
So take your pick ... efile, mail , wait.
