The "unbanked" are preyed upon by this costly programs so these "unbanked" folks need to wise up and buy a Prepaid Debit card at almost any store for $5 to use in lieu of a bank account. All they have to do is put enough on the card to cover the TT fees then they can use that same debit card to get the refund deposited ... they save $35 that way by avoiding the absurd refund processing fees.
Also, if these folks have an AGI of $73K or less then they should be using one of the IRS FREE FILE options instead of a paid tax program. Sadly if your AGI is over $73K and you are "unbanked" and you don't have enough cash to pay the TT fees upfront by using one of the readily available prepaid debit cards on the market then I feel very bad for those folks. https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free
