You didn't say what product you are using, but it sounds like you used a paid edition. AND you didn't say if you used Online TurboTax or desktop software (CD/download), but this answer assumes you are using Online TurboTax. If you used desktop software, then the answer would be a bit different.
Are you a California filer?
If you used a paid edition and have product fees, there is an additional 44.99 service fee (California filers) if you choose to pay the product fees out of the Federal refund ($40 for non-California filers.) So your actual fees are more than that--the 44.99 is just the additional amount for choosing that payment method. In California, that "pay out of refund" option is bundled with some other benefits called Premium Services.
If that's your situation and are in California, we can tell you how to remove "Premium Services" prior to filing, which will remove that 44.99 "pay out of refund" fee, and then you can pay your product fees upfront with credit/debit card or a prepaid debit card you can buy in a store.
What exactly are you being charged for? What edition did you use and did you prepare both a Federal and state return? If you're using Online TurboTax, check your fees this way:
With your Online return open, go to the left menu column and click on TAX TOOLS then TOOLS.
In the Tools window click on MY FEES.
What products and services are shown there?
