I have the same problem and so does H&R Block, I came here hoping to get around this issue. Neither company tells you about the issue until you finish the return. If its such a common thing to have an IRA it should be added to the EZ form. Its a way for the online tax companies to make money off of your credit. H&R allowed me to enter the item but I would have to print the return and NOT be able to file online...unless I paid the $49.99. What happened to just paying the online filing fee?
