Correct. I meant just the $ amount of the deposit is RLMed. The checks I'll write against that are just to pay bills- but will not (cannot) RLM.

So:
Employer payroll check -> direct deposit to my on-line acct (can't physically RLM since I have no deposit slip) -> write check to another checking acct at credit union using RLM -> write checks to pay bills from the credit union acct w/o RLM. One $ amount only once which will be claimed on line 21.

My point was I'll write checks to pay bills against RLMed acct and not my direct-deposit acct since I can't physically write on it.

Thanks for following up, Doug, many thanks!!