Are you asking about a direct debit from your savings account by the IRS to pay tax that you owe? Your federal and state tax returns are processed by completely separate government agencies. One has nothing to do with the other. If you have a payment due on your federal tax return, and you selected to pay by direct debit from your bank account, the IRS will take the full amount that you owe from the account, no matter what your state tax situation is. If you are getting a state refund, and you selected direct deposit, the state will deposit your refund into your bank account. That's a separate transaction, and it might happen before or after the IRS takes your federal tax. Your state refund does not reduce the amount that the IRS takes.
If this is not clear, answer the questions that VolvoGirl asked and one of us will try to clear up any confusion.
