Not everyone is eligible to use the option to pay with the federal refund. By not using this option you will be saving the $40 processing fee ($45 for CA residents) and the possibility that the third party has difficulty with sending the federal refund to your direct deposit account.
See this TurboTax support FAQ for not receiving the pay with refund option - https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/deduct-turbotax-f...
