The $40 ($39.95) is probably the bank fee if you want to pay from your refund.
The "convenience fee" for paying from your refund is not a TurboTax fee but a separate bank fee for making an unsecured loan to you to pay the TurboTax fees from your refund. That fee is from the Santa Barbara Tax Products Group (SBTPG)
Unsecured loan rates can be high because if you do not actually get the refund (the IRS denies it or there is a tax offset levied) then it can be difficult or impossible for the bank to get it's money back so the high fees reflect the risk involved.
Other payment methods such as a pre-paid credit card are usually much cheaper and does not delay the refund by being sent to the SBTPG bank first.
Contact the SPTPG this way
https://ttlc.intuit.com/questions/3129412-why-is-my-federal-refund-on-hold-with-santa-barbara-tax-pr...
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
