You dont. Direct Deposit is free. The extra fee is if you want to have the Turbo Tax fees deducted from your refund. Then it has to go through another bank first to take out the fees. You can pay first with a credit card or debit card and avoid the extr charge.
See,
https://ttlc.intuit.com/questions/1900596-what-is-the-refund-processing-serviceHow to remove it
https://ttlc.intuit.com/questions/1900517-how-do-i-remove-refund-processing-fees-in-turbotax-online-...
