If you're already paying turbo tax fee, why is there an additional processing fee?

[VolvoGirl]

That is optional.  The Extra $40 Refund Processing Service charge (45 in California) is if you want to have the fees deducted from your federal refund.  You can avoid it by paying upfront with a credit card.  

What is the Refund Processing Service

https://ttlc.intuit.com/questions/1900596-what-is-the-refund-processing-service

Remove Pay with Refund fee

https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-pay-with-my-refund-fees-in-turbot...