After you file

I don't know what the third credit card charge was for.  But if you bought Basic you had to buy the state program download separately.   You could have bought Deluxe or higher.  Those come with a free state program.  But it is still 20/25 to efile state.

 

So you had the $25 state efile fee deducted from your refund with a $40 service charge.  You could have paid with a credit card to avoid the extra service charge.  

I would ask what the second or third charges were for.  Did you buy 2 different state programs?