There is no such thing as a direct deposit fee. E-filing is free, and so is having your refund direct deposited. If you choose the option to pay your TurboTax fees by having the fees deducted from your federal refund, you pay a refund processing fee of $39.99 ($44.99 in CA) to have a third party bank receive the refund, extract the fees, and send you the rest.
If you do not want to pay an extra $39.99 to receive your refund, then pay your TurboTax fees upfront using a credit/debit card. You can still choose direct deposit for your refund.
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