The 39.99 Refund Processing Service charge (44.99 in California) or Pay with Refund is an optional service. You don't have to use it to file or to get Direct Deposit.
You can pay the fees upfront with a credit card to avoid the extra charge. How to remove the Pay with Refund charge
https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-pay-with-my-refund-fees-in-turbot...
