After you file

I tried "Choose to say you did not file a 2020 return "

This worked and 2021 return was accepted! 2020 return has been printed and ready to mail (certified). However, an additional question arises. On the original 2020 form (which never got transmitted) "have refund applied to 2021 tax" was selected. The 2021 return had a refund also (direct deposit). The question:

 

How will the 2020 refund happen since the 2021 return (e-filed) will likely result in a quicker refund with direct deposit (maybe even before mailed 2020 return arrives). Will 2020 refund be:

1) also direct deposited

2) held over against 2022 tax obligation, or

3) be sent via U.S. mail service?

Thank you!