First of all you can never get them combined. Federal and state refunds come separately from different places at different times.
You misunderstood. You can only have the fees for federal and state deducted from your federal refund. That’s all. That doesn’t affect when the IRS or state send it to you. Its just convenient to have the fees for both deducted at the same time. And you pay an EXTRA 39.99 Refund Processing Service charge (44.99 in California) to have them deducted. Which actually might add a day or two to get your refund after the IRS sends it. Or you can pay with a credit card to avoid the extra charge.
How to remove the Pay with Refund fee
https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-pay-with-my-refund-fees-in-turbot...
