You can have the fees deducted from your refund if it is big enough to cover the fees and the extra $40 service charge. Or you can get a prepaid VISA card like at WalMart to use like a credit card.
Or you can file for free at the IRS if your income is under $73,000. See the IRS Free File options
https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free
