You don't have to pay the $40 Refund Processing Service charge. That is only if you want to have the fees deducted from your federal refund. You can pay upfront with a credit card to avoid the extra charge. And then your refund will come directly from the IRS and not go though the 3rd party bank to take the fees out which might delay your refund.
How to remove the Pay with Refund fee
https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-pay-with-my-refund-fees-in-turbot...
