Why are they charging a 40$ processing fee

[SteamTrain]

NEVER use your federal refund to pay for the software...that is what adds on the extra $40

Pay with a credit card.

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[SabrinaD2]

TurboTax charges a $40 processing fee if you choose to have your TurboTax fees deducted from your federal refund instead of paying upfront with a credit or debit card. This fee helps to cover the cost of the refund processing service provided by a third-party bank

To avoid this fee, you can pay your TurboTax fees upfront with a debit, prepaid card, or credit card when you file. For more details, check out this TurboTax Community page.

If you are referring to something else reach back out.