TurboTax does not "use" any number that you did not enter.
The state interview indeed asks if you want to use the same bank number as you entered for Federal. If you answer no, then TurboTax asks for both the routing and account numbers for the state TWICE to be sure that the proper numbers were entered.
Even when the routing and account numbers are carried froward from the prior years return, TurboTax asks for the numbers again to confirm the proper number is used.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
