After you file

And you should pay upfront with a credit card to avoid the Extra $40 Refund Processing Service charge (45 in California).  Having the fees deducted from your refund doesn't make you get the refund any faster and may even add a day or 2 since it has to go through the 3rd party bank to take the fees out.

 

If the IRS is taking too long to send your refund or reduces it see.....
https://ttlc.intuit.com/community/payments/help/what-if-my-federal-refund-isn-t-enough-to-cover-my-t...

Then when the IRS does send your refund they won't take the fees out again.

And, Why you got charged,
https://ttlc.intuit.com/community/charges-and-fees/help/why-was-my-bank-account-auto-debited-for-tur...

You should have received about 4 emails asking for the fees. If you don't pay they will debit your account. You had to agree to it. Check your spam folder for emails.