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If you pay BEFORE you e-file by using a credit or debit card, you will NOT pay the $40 refund processing fee. You only pay that if you choose to pay from your federal refund and allow a third party bank to receive your refund, take out the fees and send you the rest.
How to remove the Pay with Refund fee
https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-pay-with-my-refund-fees-in-turbot...
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