Don't know why you are seeing the Extra $40 Refund Processing Service charge (45 in California) if you have a federal tax due. You can only use that if you get a refund. Go back through the File tab slowly and read all the screens. There is one that can trip you up. Pick to pay the state efile fee with a credit card. And if you bought it from Costco it should automatically apply a $10 credit towards the $20 state efile fee.
I have a screen shot but it won't let me post it right now.
