That means you chose to pay the product fees out of the Federal refund instead of paying upfront with a credit/debit card. That payment method involves Santa Barbara bank in the process and has a $40 service fee. The bank receives the refund from the IRS, subtracts the fees, then transfers the refund to your bank/card account in a second direct deposit. That payment method can be removed prior to filing, if not wanted, then you can pay by credit/debit card or a prepaid debit card you can buy in a store.
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