Correct. If you pay with your refund there is a fee for the Refund Processing Service.

 https://ttlc.intuit.com/replies/3301372

If you choose to pay with your debit card instead, there is no fee for doing so.

https://ttlc.intuit.com/replies/3301294

My refund is still being processed. Now TurboTax notifies me that they will charge my bank account instead of my refund. Why should I still pay the “pay with my refund” fee?

Has it been 21 days or more since your return was accepted by the IRS?