When I was e-filing my returns there were two $19.99 charges - one for e-filing the state return and one for the refund guarantee, which I didn't want. I called Turbotax support and found out that the maximum refund guarantee is only charged if you have them deduct your fees from your refund.
So, if you log into your account and pay for the state return by credit card there is no maximum refund fee.
Note to Turbotax: It would be helpful if that appeared somewhere on the payment due page.
