Other than having TTX get their act together for not displaying those credits after they expire......sounds like you have it set up right now.
The refund going thru 3rd party bank situation happens only if you choose an option to have any of the software, or filing fees paid from your Federal refund.....which was apparently your initial choice to pay the desktop software's $25 state filing fee.
(opinion) I recommend to people that they Never Ever do that (pay any TTX fee from the Fed refund) as far too many cases of refund screw-ups seem to occur every year.
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
