Is there a way to avoid the $40 processing fee?

Avoid the $40 refund processing fee by paying your TurboTax fees upfront with a credit or debit card BEFORE you e-file.

REMOVE REFUND PROCESSING FEE

https://ttlc.intuit.com/questions/1900517-how-do-i-remove-refund-processing-fees-in-turbotax-online-and-change-my-payment-method