That is optional. The Extra $40 Refund Processing Service charge (45 in California) is if you want to have the fees deducted from your federal refund. You can avoid it by paying 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...
