You can remove the "Pay with my Refund" option by following the instructions I'm linking below. You'll still need to pay your TurboTax fees with a debit or credit card.
How do i remove Pay with My Refund fees in TurboTax Online and change my payment method?
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*** I am NOT a tax expert. I am a seasoned TurboTax user, and volunteer to provide assistance to TT users. Nothing I post is to be considered TAX ADVICE; I bear no legal liability for responses.***