As I mentioned above, with the "pay out of refund" option TurboTax takes out your fees before it gets to you unless there's a problem. When it comes to your bank from the intermediary bank, the fees should already be taken out. When you receive your refund, do the math and see if the fees were taken out, including the $40 service fee and any sales tax. You refund amount prior to the fees is shown on your Federal Form 1040, Line 21a.
