It depends on the type o service you use. I used the free service to file a simple 1040 form for only me. They charge for the different levels you and if they assist you. Getting your refund using you refund to pay the bank lends you the money and is the 45.00 charge. It should explain all that when it's time to file. They also use credit karma to get your refund but not sure what the app charges. As I said the simple form is free. If you get audit protection there's a fee! I had to change mine to remove the 45.00 feet here are also several free tax services online, one from the IRS. That's about all I can tell you with seeing the full tax return but if not satisfied with this google free tax apps and you can try another one!
