In the desktop software (CD/download) there is a 19.99 fee to efile a state return. The other fee is NOT for "Maximum Guarantee". It's a service fee for the optional method of payment you chose. If you pay the 19.99 (plus possible sales tax) upfront with credit/debit card or a prepaid debit card you can buy in a store, there is no additional fee.
However, if you choose the option to pay the 19.99 fee out of your Federal refund, there is an additional $40 service fee. You can avoid that $40 or $45 fee by not selecting to pay your fees by that optional method and paying your 19.99 fee upfront directly by card as I mentioned above.
Please let us know if this helps.
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