No you misunderstand. In the Desktop program it is $20 to efile each State return. THEN if you want to have the state efile fee (or any extra services you bought) deducted from your federal refund there is an Extra $40 Refund Processing Service charge (45 in California). Which you can avoid by paying the state efile fee with a credit card.
You have to go through the File tab SLOWLY. People get going to fast and clicking on the right corner box to continue. But you have to click on the left box to pay with a credit card to avoid the fee. See the screenshot on this one
https://ttlc.intuit.com/community/taxes/discussion/why-can-t-i-remove-premium-service-benefits-from-...
