To avoid the $40 refund processing fee you have to pay for using TurboTax upfront by using a credit or debit card to pay BEFORE you e-file. You can still get your refund by direct deposit.
REMOVE REFUND PROCESSING FEE
https://ttlc.intuit.com/questions/1900517-how-do-i-remove-refund-processing-fees-in-turbotax-online-...
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