If you choose to have your Turbo Tax Fees deducted from your refund, there is a fee. Turbo Tax is not a bank. Therefore, Santa Barbara bank charges a fee for their service. If you choose this option, there is a page that explains the process and you have to agree to it to move on. After you read the page, and choose not to agree to it, then you will have to pay for your fees before you file.
What is Refund Processing Service?
https://ttlc.intuit.com/community/choosing-a-product/help/what-is-refund-processing-service/00/25889
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