You appear to be using Online Deluxe.
Is your Federal refund large enough to cover your product fees (Federal fee plus state fee, if applicable) plus the $40 service fee for that "pay out of refund" option ($45 for California filers.) Also sales taxes. You will avoid that $40/45 service fee if you pay upfront with credit/debit card or a prepaid debit card you can buy in a store.
Do you have any of the circumstances in this FAQ that might keep you from getting the "pay out of refund" option?
FAQ: Why can't I deduct my TurboTax fees from my Federal refund?
https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/deduct-turbotax-f...