The Refund Processing Service charge is not to Efile or get Direct Deposit. And not to get your federal and state refunds together. It is so they can take the fees out of your refund. To do that your refund has to first go through the Turbo Tax bank to take the fees out. Then they send the rest to you.
You can still get Direct Deposit without paying the $40 Refund Processing Service charge by paying the fees upfront with a credit card.
How to remove the Pay from your Refund fee
https://ttlc.intuit.com/questions/1900517-how-do-i-remove-refund-processing-fees-in-turbotax-online-...
