Are you in California? You can't use Pay with Refund.
You might have selected to pay the fees from your federal refund. There is an extra $40 (45 in California) Refund Processing Service charge for that which you can avoid by paying upfront with a credit card.
How to see your fees
https://ttlc.intuit.com/community/charges-and-fees/help/how-do-i-review-my-fees-in-turbotax-online/0...
For help with fees
https://ttlc.intuit.com/community/charges-and-fees/help/what-can-i-do-to-reduce-my-fees/00/26051
How to remove the Pay from your Refund fee
https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-pay-with-my-refund-fees-in-turbot...
In the Online version, If you are in California you need to remove the Premium Service first
https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-premium-services/00/26266
