One more thing since you mentioned Costco...
When you print photos at a lab, the colors you get back in the prints may not match your expectations. Suppose a printer is a little rich on yellow and blue but weaker on reds (giving a green overall color cast)... your option would be to alter the colors in the JPEG image you send to the lab so that the JPEG image you receive actually matches your expectations. But to do this... you'd have to know what that printer at the lab is actually going to do.
It turns out... they do this.
See:
Digital photo lab profiles
Costco performs color calibration on their printers regularly (these are updated all the time). You look up your local store and download it's latest color calibration file (.icc profile).
Depending on the software you use (e.g. Photoshop, Lightroom, etc.) there's a way to tell the software to export a JPEG, but apply the .ICC profile to it. This alters the colors in that image intended for the photo lab -- it won't look accurate on your screen (because it's been adjusted to compensate for the printer) but it will render correctly when you get your prints back.