You DO NOT have to choose "refund processing" and pay that extra $40. If you pay your TurboTax fees upfront using a credit or debit card before you e-file you will not pay that $40 fee.
REMOVE REFUND PROCESSING FEE
https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/remove-pay-refund...
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