Thank you for posting this. I saw the two options you mentioned, while filing this year, along with the "Premium Service Benefits - $44.99" listed right below the "Pay with your federal refund option." I was confused if that fee was associated with the Pay With Your Refund option. It almost looked like a third option, or a side advertisement because of the different font. So I Googled this and found your comment here. Thank you for the warning, it is kind of ridiculous to have that option, and Turbo Tax should make it more clear.
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