I have been a Turbo user for many years. I usually pay the $20 fee for state filing by credit card. This year I learned that if you are in California and you opt to have the filing fees deducted from your refund, the $45 charge for audit defense is automatically added. This year, before hitting the finally FILE icon, I backed out and then went back in, entered a credit card, and was not charged the $45 fee. See silly to me, but then, California is a pretty silly state for al ot of reasons.
