I've been through the same thing, so I called TurboTax Support team. First two persons didn't know what to do. The third one knew her stuff very well. I had to share my screen so she could walk me through. She told me to click on the "Pay By Credit Card" button. I refused but she convinced me to proceed. So, I did. And to my surprise, that was indeed the part that I needed to pay for the $20 State e-filing fee, NOT the $45 Audit Defense fee. Now, both of my Federal & State returns have been accepted. Then, I checked my bank account and credit card, and saw only $20 was charged to my credit card, nothing to my bank account.
