Refund processing is optional and terribly overpriced. Even if you don't have a credit card or bank account, you can get your refund and pay your fees for about $5. But Turbotax has a legal right to offer the service at any price they choose, and customers who want the convenience or don't have time to investigate options can accept or decline it. The fee is clearly disclosed (see pic).
Also, last year someone hacked SBTPG and stole a bunch of refunds, so it is probably not a bad thing overall if they are being more careful this year. (Which is another reason not to use the service. You don't hire a babysitter without checking references do you? Why hire a bank on blind faith?)
