I bought my program from Costco and just now filed federal and state. I paid the $10 state efile fee ($20-10) with my credit card and didn't get the Extra $40 Refund Processing Service charge (45 in California). You have to go slow and read all the screens. There is one that can trip you up (posted above). People get going too fast and clicking continue in the bottom right but the bottom right on that screen is to Pay with Refund.
