You cannot have your fees taken from your Federal refund until the Federal return in final, because your final Federal refund is unknown until it's final. If you can, though, it's always best to pay up front and avoid the extra $35 bank charge to have your fees deducted from the refund. Even with a high-interest rate card, you should be able to pay off the card with your refund when you receive it, and have the card interest end up costing you less than the bank fee.
