Is it $40 or 45 more? There is an extra $40 (45 in California) Refund Processing Service charge for that which you could have avoided by paying the fees with a credit card. Or the IRS reduced your refund for something you owed. In which case they will mail you a letter.
How to see your fees
https://ttlc.intuit.com/community/charges-and-fees/help/how-do-i-review-my-fees-in-turbotax-online/0...
