After you file

"Going forward, if you need a state program,  buy the Deluxe version to start with to save a few $$ and never use the refund processing option ever ... that is a total rip off. "

 

I did indeed make the second payment to upgrade to deluxe from the basic desktop version.

 

And at NO point was i ever asked to OPT IN to the refund processing option.  Had I been asked I would HAVE NEVER agreed to it.  And I filled out my return SUPER meticulously.  I would have seen them asking me for it.  I have no clue how they slipped that in without my knowledge.