After you file

Sorry if you don't pay they will take the fees out of your account.

That's exactly why.  The IRS hasn't sent the refund yet but Turbo Tax still needs to be paid,  you had to agree to it.  

See What if the IRS reduces your refund or delays it.
https://ttlc.intuit.com/questions/2552376-what-if-my-federal-refund-isn-t-enough-to-cover-my-turbota...  

Then when the IRS does send your refund they won't take the fees out again.

And, Why you got charged,
https://ttlc.intuit.com/replies/3302146