Go back to the file tab step one, scroll down remove Max benefits agree to remove Max benefits then continue on to step 2.
Are you in California? You can't use Pay with Refund.
You might have selected to pay the fees from your federal refund. There is an extra $40 (45 in California) Refund Processing Service charge for that which you can avoid by paying upfront with a credit card.
How to see your fees
For help with fees
https://ttlc.intuit.com/community/charges-and-fees/help/what-can-i-do-to-reduce-my-fees/00/26051
How to remove the Pay from your Refund fee
In the Online version, If you are in California you need to remove the Premium Service first
https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-premium-services/00/26266