The pay the TurboTax account fees with federal tax refund that has a service charge of $40 was optional.
You could have still paid the TurboTax account fees with a credit card and have your tax refund direct deposited with no further charge.
See this TurboTax support FAQ for removing the pay with refund fee - https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/remove-pay-refund...
