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@Kiyak0839 wrote:

So I’m not doing anything wrong? It’s a system error?


No, you are not doing anything wrong.  The option to pay with a refund is not being presented when using the TurboTax online editions.  It has been reported and we are waiting on a response from the TurboTax Moderators on whether this is a bug or the option has been removed intentionally.

We will not know one way or the other since the Moderators are only available during the weekdays.