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See this TurboTax support FAQ for removing the pay with refund option - https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/remove-pay-refund...
Note - Regardless of which tax preparation software vendor you use, Never take any option which requires you to pay any type of fee with your federal tax refund. There will always be some type of service charge for this "helpful" option.
Do NOT choose refund processing. You do not have to choose that. Pay your TurboTax fees BEFORE you file by using a debit or credit card and you completely avoid the $40 refund processing fee.
REMOVE REFUND PROCESSING FEE
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