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Thought I had missed something also. I talked to a representative who said you had to send it in with a check because my state didn't accept a bank payment. I asked if there was a way to verify what I had selected and no help. What he said made no sense as I know I filled out the bank  information for Federal and state. So these posts help. I will verify with bank. Looks like a know issue they have chosen not to fix and their customer support is not aware of how their product works.