"Pay With My Refund" sends your refund thru a 3rd party bank for processing which can cause delays and confusion, and costs $40 for that "service" - it's terrible. you should remove it and pay the fees directly to Turbotax up front if possible. See
https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/remove-pay-refund...
