Did you use the desktop download and did you e-file a state return? If you e-filed a state return using desktop software there is a $25 state e-file fee; if you chose to pay that $25 fee by having the fee deducted from your federal refund instead of paying the fee upfront using a debit or credit card, then you agreed to pay the extra $40 "refund processing fee" to the third party bank that will receive your refund, take out the fee, and send the rest of the refund to you. In order to avoid the $25 state e-file fee when you use desktop, you can print and mail the state instead.
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