Federal return is larger than TurboTax fees but I'm being told that I don't have enough money to pay through my return?

Yes, I know there's an extra $39 cost. My federal refund is over $800 and my TurboTax fees (including the extra $39 is just a little over $200. Why can't I pay through my federal return? This is very frustrating and the only thing keeping me from filing today. It even added the $39 fee to my total but the option to pay through my refund is greyed out. Now I can't remove the $39 fee but I only have the option to pay through Apple Pay. What is happening right now?