Why am i being charge a processing fee of $40 if i need to file by mail

That isn't right.  You can only have the Turbo Tax fees deducted from a refund if you efile and have direct deposit.  Go back though the FILE tab and pay by credit card.  

How to review your fees
https://ttlc.intuit.com/community/charges-and-fees/help/how-do-i-review-my-fees-in-turbotax-online/00/26353

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-turbotax-online-and-change-my-payment-method/00/25880