It sounds like you have become confused by the state e-file fee for desktop software. When you use the CD/download, there is a fee to e-file a state return. Before March 1, that fee is $20; after March 1 it increases to $25. You should pay that fee using a credit or debit card BEFORE you e-file.
The program will offer you the option to pay that fee by having it deducted from your federal refund, but if you choose that option, you will be paying an EXTRA "refund processing fee" of $40 ($45 in CA) to have a third party bank receive your federal refund, take out the fee you owe to TurboTax and send you the rest of your refund.
If you print and mail your state return instead of e-filing it, you do not pay an e-file fee at all. You pay for postage stamp.
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
