You sound really confused. Your refund is not affected by whether you receive it as a mailed check or by direct deposit to your bank account. And you cannot both get a refund and owe on the same tax return. It is one or the other. When you look at your Form 1040----is there an amount on line 35a? Or is there an amount on line 37? Look at your tax return.
Print out your return and look at it:
https://ttlc.intuit.com/turbotax-support/en-us/help-article/import-export-data-files/save-2021-turbo...
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