Actually no they are not and just the $40 fee was there until the very end when it comes up with the fees to file the fees for the bank to deduct the cost of the deluxe fee and then the fee to send the rest of the refund to your account. You are obviously either an employee or an admin here so why don't you leave it to the the others who have also been duped into this thing too. I've been looking through the posts and am not nearly the only one who was duped into this. Turbo tax see you later!!
