The $40 "refund processing fee" is the fee you have if you choose to pay your TurboTax fees from your federal refund instead of paying upfront using a credit or debit card before you e-file. If you choose "refund processing" your refund goes first from the IRS to a third party bank. That bank takes out the fees to pay TurboTax, keeps $40 for itself and deposits the rest of the refund in your account. You can avoid that fee by paying upfront before you e-file.
What is Refund Processing Service?
How can I see my TurboTax fees?
https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/review-fees-turbo...
REMOVE REFUND PROCESSING FEE
https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/remove-pay-refund...
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