The extra $45 fee is if you want to have the fees deducted from your refund. So try to pay upfront with a credit card to avoid the extra fee. And then your refund will come directly to you from the IRS and not go though the 3rd party bank to have the fee taken out. It might be quicker. Refunds seem to be getting hung up at the SBTPG bank.
How to review your fees
https://ttlc.intuit.com/community/charges-and-fees/help/how-do-i-review-my-fees-in-turbotax-online/0...
What is Refund Processing?
https://ttlc.intuit.com/community/choosing-a-product/help/what-is-refund-processing-service/00/25889
