You do not HAVE to pay that refund processing fee. You can pay your TurboTax fees upfront before you file and avoid that $40 fee. Pay using a credit or debit card.
REMOVE REFUND PROCESSING FEE
https://ttlc.intuit.com/questions/1900517-how-do-i-remove-refund-processing-fees-in-turbotax-online-...
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