It feels as though TT is forcing me to pay an extra $40 to file a form unnecessarily, or lie on my form. Very frustrated. Does this "no" remain on some account record as proof of a lie, or is it safe to say "no" as in "no, I don't have anything I need to declare"?
I understand what you are asking, however, your tax records need to disclose your foreign bank account even if you are not required to file other financial disclosure forms. Not reporting this foreign account would be inaccurate.
Here is what the IRS states:
I faced the same issue and used H&R Block for free. H&R Block did not make me upgrade to the deluxe paid version, but let me use the free version, to report this particular information.