Get your taxes done using TurboTax

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"if a user e-files an individual return each year for the past 5 years, he/she is banned from ever e-filing again with TT. "

 

You have completely misunderstood the five e-file limit.  That limit is an IRS limit that means one user cannot e-file more than five federal returns in ONE specific tax year.  The limit does not span multiple years.

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