You don't gave to pay the Extra $40 Refund Processing Service charge (45 in California). That's only to have the fees deducted from your refund. It is optional. Avoid it by paying the fees with a credit card. And your return will come faster and direct to you without going through the 3rd party bank to take the fees out.
How to see your fees
https://ttlc.intuit.com/community/charges-and-fees/help/how-do-i-review-my-fees-in-turbotax-online/0...
For help with fees
https://ttlc.intuit.com/community/charges-and-fees/help/what-can-i-do-to-reduce-my-fees/00/26051
How to remove the Pay from your Refund fee
https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-pay-with-my-refund-fees-in-turbot...
