If you choose to have your TurboTax fees deducted from your federal refund then a "refund processing fee" of $39.99 ($44.99 in CA) is added to your fees. A third party bank then receives your refund, takes out the fees for TurboTax and sends you the rest of your refund. You can avoid that extra refund processing fee by paying upfront with a credit or debit card before you e-file.
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