There is a fee because TurboTax must process your refund instead of having the refund sent directly to your bank from the IRS, which would cost TurboTax nothing. Processing the refund and removing the fees and then depositing it into your account by TurboTax costs the company money. I have posted a TurboTax FAQ with more information on the subject.
https://ttlc.intuit.com/replies/3301372
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