Yes----you are correct. If you pay your fees upfront BEFORE YOU FILE YOUR TAX RETURN using a credit or debit card you do NOT pay that "refund processing fee" of $40 (or $45 if you are in CA) and your refund comes directly to you from the IRS without involving a third party bank. It is MUCH better to pay upfront and avoid refund processing.
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
