It just seems like a hidden fee and I can’t find anywhere to change it
REMOVE REFUND PROCESSING FEE
https://ttlc.intuit.com/questions/1900517-how-do-i-remove-refund-processing-fees-in-turbotax-online-and-change-my-payment-method
You have to pay your fees upfront using a credit/debit card to get rid of the refund processing fee. You can still have direct deposit of your refund.