I pick "Pay with my Tax Rrefund" option. If I have to pay with my debit card, then I should not be charged the "paying with tax return" fee. Do I understand it correctly?

[EbonyL]

Correct. If you pay with your refund there is a fee for the Refund Processing Service.

 https://ttlc.intuit.com/replies/3301372

If you choose to pay with your debit card instead, there is no fee for doing so.

https://ttlc.intuit.com/replies/3301294

[dphung]

My refund is still being processed. Now TurboTax notifies me that they will charge my bank account instead of my refund. Why should I still pay the “pay with my refund” fee?

[EbonyL]

Has it been 21 days or more since your return was accepted by the IRS?