Solved
I had chosen to pay my feeof $39 with the refund not knowing I could not do that because I don't have a bank account. It was the basic edition started out with free.
You can change how to pay your TurboTax fees as long as you have not filed your return yet, or if it has been accepted.
How do I remove Pay With My Refund fees in TurboTax Online and change my payment method?
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