Direct Deposit

But if the bad number shows up on the client copy of the return, I'm having trouble grasping it being an Intuit problem vs a preparer problem.  How much time lapsed between entering the data in the return and providing the client with a copy?

I suppose this is what happens when a client never looks at a return, just signs a separate document acknowledging it's OK to file.  With a paper return, those routing and account numbers are just above the signature lines.  If the clients look at nothing else, they're likely to look at those and recognize them from having to use them elsewhere.  

Another reason all my clients demand paper returns.  

Never seen it happen for me.   Are you using a banking product?  I feel like Ive seen this mentioned by TurboTax users that pay their TT fees from the refund, since the refund doesnt go direct to the client bank account, it goes to a 3rd party first.

I also remember hearing something like that happening with TurboTax when you import documents from brokerages, that bank account somehow ends up being used for the direct deposit.

Ive never heard of either of these things happening with Intuits professional products, but its something to consider.