I don’t understand the problem. You can fill out your return without paying. Then if you want to file or print you have to pay if you use Deluxe or Premium. You need to use Premium to report sales. If your refund is big enough you can have the fees deducted. But there is an Extra $40 Refund Processing Service charge (45 in California) to have fees deducted.
How to review your fees
https://ttlc.intuit.com/community/charges-and-fees/help/how-do-i-review-my-fees-in-turbotax-online/0...
What forms of payment does Turbo Tax accept?
https://ttlc.intuit.com/community/payments/help/what-forms-of-payment-does-turbotax-online-accept/00...
You can get a prepaid Visa card at Walmart or somewhere. Which is good because it saves you the Extra $40 Refund Processing Service charge (45 in California) and your refund comes directly to you and doesn't go through the 3rd party bank to take the fees out.
