I use TurboTax Delux, which I brought from Costco for $15. (It's onsale. Not anymore thou). For you, I think you just need a standard version if you don't have 401k, mortgage payment etc and you most likely is taking standard deduction.... Or you can download the tax from form IRS web site and file your tax by mail
Most cases, the earned interest will not be pre-taxed unless
1. IRS is on your tail meaning you have been caught by urs before for taxation realted stuff.
2. It's a forigen investment account.
etc...