The screen does tell you that there will be a fee to use the third party bank when you choose to pay from your federal refund---you apparently missed seeing it on the screen. The state e-file fee is $20 -- increasing to $25 on March 1. If you choose to pay that state e-file fee from your federal refund instead of paying with a credit card or debit card, there is a $40 ($45 in CA) "refund processing fee" to use a third party bank to provide that service.
You do not have to use TT again if you do not want to. But....the information about the fee was there.
If you decide to use TT again sometime----avoid the state e-file fee by filing the state by mail. Then it only costs the price of a stamp.
**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.**
