There is no charge to get Direct Deposit.
That is for a state return or probably the extra 39.99 Refund Processing Service charge. You can pay with a credit card to avoid the extra charge.
Deluxe is 39.99
State is also a separate 39.99 in all versions above the Free Edition
If you select to have the fees deducted from your refund there is an EXTRA 39.99 Refund Processing Service charge (44.99 for California)
So you could have 2 charges of 39.99 for 79.98 (or 84.98 for Calif)
Or you could have 3 charges of 39.99 for 119.97 (124.97 Calif)
How to see your fees
https://ttlc.intuit.com/questions/2565973-how-do-i-review-my-fees-in-turbotax-online For help with fees
https://ttlc.intuit.com/questions/1901213-what-can-i-do-to-reduce-my-fees How to remove the Pay from your Refund fee
https://ttlc.intuit.com/questions/1900517-how-do-i-remove-refund-processing-fees-in-turbotax-online-...
