Federal efile for Home & Business should be free, not $40

I am using the desktop version of "Home and Business 2020"
I am getting something very confusing when I try to efile my Federal and Idaho tax returns for 2020.
The first screen says "we recommend e-filing". Underneath that it says "There's no additional cost to e-file your federal return" (see 1.jpg)1.jpg
Then the next screen had me fill in all the PIN, Birthday, Last years AGI information
I skipped the Driver's license info
Then I efiled Idaho. It was my free state. It charged me $26.81
Then I went to efile my federal WHICH SHOULD BE FREE TO EFILE.
However, it says, "Deduct from your refund: There is an additional fee of $40 for this Refund Processing Service." (See 2.jpg)2.jpg
OR "Use your credit card to charge your fees to your credit card"
I am really confused. I have always efiled Federal taxes with TurboTax Home and Business and was never charged this additional $40.
How do I file my Federal taxes with TurboTax Home and Business for free for tax year 2020?