The Extra $40 Refund Processing Service charge (45 in California) is only if you want the Turbo Tax fees deducted from your federal refund. You can avoid it by paying the fees upfront with a credit card.
How to review your fees
https://ttlc.intuit.com/community/charges-and-fees/help/how-do-i-review-my-fees-in-turbotax-online/0...
Remove Pay with Refund fee
https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-pay-with-my-refund-fees-in-turbot...
Don't understand about state. How to file state after federal
https://ttlc.intuit.com/community/e-file/help/how-do-i-e-file-my-state-after-i-already-filed-my-fede...
