Please see the information below on direct debit and how it works:

https://ttlc.intuit.com/community/tax-payments/help/what-is-direct-debit-and-how-does-it-work/00/256...

I think I figured out why the option is not available. It says some forms are not yet ready. I am hoping once the form is ready it will give me the option to e-file. 

@roll4real2reel Yes, you are correct. If there are any forms that aren't available yet, the program will not let you e-file. You can check the status of form availability in the below TurboTax FAQs:

• IRS forms availability table for TurboTax individual (personal) tax products
• State forms availability table for TurboTax individual (personal) tax products