When one chooses to pay the TurboTax fees out of the Federal refund, the Federal refund must be large enough to cover the product fees, any sales taxes, and the service fee of 39.99 (44.99 for California) for that payment option.
Are you considering sales tax? What does your $89 in fees you mentioned consist of? You didn't say what products you used.
You will avoid the 39.99 (or 44.99) service fee if you pay upfront with credit/debit card or a prepaid debit card you can buy in a store.
