The $40 charge is a "Refund Processing Service" fee triggered by selecting the option to deduct TurboTax fees from your federal refund, which is processed by a third-party bank. To avoid this, pay upfront using a credit/debit card before filing. If you owe taxes and are not getting a refund, this option should not be selected.
If you have not yet filed, go back to the "File" section, review your payment options, and ensure you do not select the option to pay with your refund. Once your e-filed return is in pending or accepted status, it's too late to remove Pay with My Refund. If your return is rejected, you can remove Pay with My Refund.
See this help article for more information.
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