The issue is that an A650IS is a "Dry OS" camera and does not support the "Firmware Update" or the PS***.FIR file method of loading CHDK. If you have a PS.FIR file for the A650, either it is a mistake in the release, or you have the wrong camera *.zip file.
The only method that works is the "Bootable" way of loading CHDK on BOOT.
1. Format the SD/SDHC card as FAT16 (4GB maximum formated sized)
2. Copy DISKBOOT.BIN to root directory
3. Run the Program called Bootable.exe and the drive letter for the SD/SDHC card.
4. Remove the SD/SDHC card and switch it to "Write Protected"
5. Place card in camera and turn on camera in any mode... You should see the blue CHKD Splash screen.
And that is it...
So, you need to get the correct camera.zip file, need to find the bootable.exe program and/or the CardTricks program (automates many of 1-3 steps, plus some other nice things too).
Bootable SD card - CHDK Wiki (all OS documentation on loading CHDK)
Card Tricks - a small utility to help manage SD cards [currently v. 1.34] (support of Windows OS only)
Index of /chdk/ (more or less the latest "stable release of CHDK" (Russian server--some ISP's block)
Index of /hdk/autobuild/ (latest and greatest, with all new features and camera ports--may have small issues at times) (Russian server)
CHDK - CHDK Wiki (CHDK release documentation site)
Good Luck,
-Bill