If your federal refund was $120 short you probably used Deluxe and had the fees deducted from your refund.
Deluxe is currently $40 (usually goes up on March 1)
State is also a separate 40 in all versions above the Free Edition
If you select to have the fees deducted from your refund there is an EXTRA 40 Pay with Refund Service charge
so 40+40+40=120
