took 2 stars away because i had to pay 88 dollars because of an HSA form. $4 in an old HSA account that i believed to be closed cost me 88 dollars. also add a $40 processing fee for direct deposit or something. still cheaper than some places but definitely disappointing when i thought it was going to be free. please make the things that cost us money like the extra form easier to find in the future. had to start over just to see why i was going to have to get the deluxe version