What is the RPS for? Do I have to take it?

[CDJohnK]

The RPS is the Refund Processing Service, which is an OPTIONAL third-party fee that allows you to have your Turbotax charges taken out of your refund instead of paying for them upfront with a debit or credit card. Again, it is totally optional, and you do not have to accept it. 

https://ttlc.intuit.com/replies/3301372

If you have added this option and do not want to use it, you can remove it and pay your fees with a debit or credit card.

https://ttlc.intuit.com/replies/5007885

Please get back with me and let me know if this does help.