why am I being charged $71.10 plus $64 for my state refund plus $40 refund processing service fee instead of free processing?

Looks like you are in Deluxe not the Free Edition.  Federal+state and the $40 is to have the fees deducted from your refund which you can avoid by paying the fees with a 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

Remove 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