The $40 was not the Turbo Tax fee. The $40 was the extra Pay with Refund service charge to have the regular fees deducted from your refund. And since that didn’t happen you actually saved the extra $40.
How to review your fees
https://ttlc.intuit.com/community/charges-and-fees/help/how-do-i-review-my-fees-in-turbotax-online/0...
