It sounds like if I decide to pay with a card instead of using the Refund Processing Service I wont be charged the additional $35. Is this true?

[DoninGA]

Yes.  To pay the TurboTax account fees by credit or debit card and not from the federal tax refund using the Refund Processing Service, then you need to remove the RPS.  See this TurboTax support FAQ for removing the Refund Processing Service - https://ttlc.intuit.com/questions/1900517-how-do-i-remove-the-refund-processing-service-and-change-m...