You don't have to pay the Extra $40 Refund Processing Service charge (45 in California). That's only to have the fees deducted from your refund. Pay the fees upfront with a credit card to avoid the extra charge. And that way you can get the refund however you want either as a check or directly to your bank without going though the 3rd party bank. It may come faster too.
Remove Pay with Refund fee
https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-pay-with-my-refund-fees-in-turbot...
