Are you in California? If you want to have the fees deducted from your refund you have to get Premium services. There is an extra $40 (45 in California) Refund Processing Service charge for that which you can avoid by paying upfront with a credit card.
In the Online version, If you are in California you need to remove the Premium Service first then pay with a credit card
https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-premium-services/00/26266
Yes, under the FILE section: "How would you like to pay?" At the very bottom it shows the following:
OR
pay with your Federal Refund
Don't worry about pulling out your wallet.
We'' simply deduct the fees from your federal refund
and send the balance to your bank account
Must e-file federal return
$40 Refund Processing Service fee
That's, if you ask TT to pull money from your Federal Refund, it charges you a refund processing fee of $40. I am not sure how you get $44 instead of $40.
Regards,