I figured it out. You basically have to intentionally search TurboTax Deluxe and then select a paid version of the software, then select that you used TurboTax last year, then you get a warning that you're switching off of the free product to the commercial software THEN it lets you continue.
See this link and select what you want to use. https://turbotax.intuit.com/personal-taxes/online/
This is better than the shiesty practice of saying FREE everywhere and then getting charged 40 dollars because you have a savings account which earned interest, but **bleep** they could have made it more obvious what you need to do. I want to pay for the service, don't hide the option to do that.
