You misunderstood. There is no charge to get Direct Deposit. The extra $40 charge was to have the fees deducted from a federal refund. You can avoid that charge by paying the fees upfront with a credit card. Then your refund goes directly from the IRS to your bank account and not through the 3rd party bank to take the fees out.
What is the Refund Processing Service
https://ttlc.intuit.com/questions/1900596-what-is-the-refund-processing-service
Remove Pay with Refund fee
https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-pay-with-my-refund-fees-in-turbot...
