Refund Processing Fee

I am confused, I bought Turbo Tax software at Costco and the software says it comes with 5 Federal e-files.   Why would I pay $40 for a Refund Processing Fee? Can't this just be deposited into my account that I provided?  Also, when I do pay with credit (which I'm not sure why I would be paying) it always error out and I cannot finish filing my taxes. HELP!