Are you in Canada? This is the USA forum. Here is the Canada forum
https://turbotax.community.intuit.ca/tax-help
FOR USA
When you buy at Costco it is still the Desktop program not the Online version. The Download is the same as the CD. It's just the method you use to install it. People are confusing the Download with the separate Online version.
How to get started with the US Desktop program, install and activate it
https://ttlc.intuit.com/turbotax-support/en-us/help-article/product-delivery/download-software-turbo...
