You can have the state efile fee deducted from a federal refund but that costs another $40 Refund Processing Service charge (45 in California). Are you having trouble paying the fee? You can get a prepaid Visa card to pay. The last 2 years at Costco you get a $10 credit towards any fees when you need to pay. So the $20 state efile fee is only $10 (15 after March 1. Or move to New York. It is free to efile NY.
