Self-employed? File as early as January 1st.
We begin preparing and transmitting self-employed returns on January 1st, so your return is in the IRS queue from the moment e-file opens. Beat the rush.
Your money, your way.
Two separate products, and you are not required to use either one. Choose how you pay for preparation, then choose how your refund reaches you.
Refund Transfer
An optional way to pay for your tax preparation with no money up front: your fees come out of your refund when it arrives. You can also choose to pay your preparation fees up front instead.
A bank fee applies to the Refund Transfer and is set by the bank, not by our office. The exact amount is disclosed to you in writing before you sign anything.
When your refund arrives, choose how you receive it
Direct deposit
Your refund, less fees, is deposited into your own checking or savings account.
FasterMoney® Visa® Prepaid Card
Issued right here in the office. Convenient, secure and easy to use — no bank account needed.
Bank check printed in office
We print your check here and hand it to you. A toll-free verification number and website address are printed on every check, so you can confirm it 24 hours a day, and there are over 10,000 check cashing locations nationwide.
Your check can be cashed at over 10,000 check cashing locations nationwide. Every check we print carries a toll-free verification number and website address, so the location you choose can verify it 24 hours a day.
The Refund Transfer is an optional tax refund-related product offered by Pathward®, N.A., Member FDIC. The Refund Transfer is not a loan. E-filing of tax return is required to be eligible for the product. Subject to approval. Fees apply. See terms and conditions for details.
Refund Advance
A separate, optional loan against part of your anticipated refund, provided by Pathward®, N.A., Member FDIC — it is not the actual tax refund. If you are approved, you receive funds before the IRS releases your refund, and the loan and any interest are deducted from that refund. This is not the Refund Transfer.
Tax returns may be filed electronically without applying for this loan.
Loan amounts vary by state and software provider. $7,500 is available only to well-qualified applicants with a minimum expected tax refund of $10,592; interest-based applicants receive an average of $2,157.45. APR 0.00%–36.0%. Subject to approval, identity verification, eligibility criteria, and underwriting standards.
Eligibility, timing & documents.
The Refund Transfer and the Refund Advance are two different products. Here is what each one is, what it requires, and what to bring.
It is an optional way to pay for your tax preparation with no money up front. Your preparation fees are deducted from your refund when it arrives, and the rest is paid out to you the way you chose. The Refund Transfer is an optional tax refund-related product offered by Pathward®, N.A., Member FDIC. The Refund Transfer is not a loan. E-filing of tax return is required to be eligible for the product. Subject to approval. Fees apply. See terms and conditions for details. It does not make your refund arrive any sooner, and you can always choose to pay your preparation fees up front instead.
Government-issued photo ID and the bank product disclosures we review and sign with you in the office.
Refund Transfer and Refund Advance — full disclosures
These are the bank's disclosures in full, exactly as issued. We review them with you in the office before you sign anything.
Tax returns may be filed electronically without applying for this loan.
Refund Transfer (not a loan)
The Refund Transfer is an optional tax refund-related product offered by Pathward®, N.A., Member FDIC. The Refund Transfer is not a loan. E-filing of tax return is required to be eligible for the product. Subject to approval. Fees apply. See terms and conditions for details.
Refund Advance (a loan)
The Refund Advance is an optional tax-refund related loan provided by Pathward®, N.A., Member FDIC (it is not the actual tax refund) at participating locations. Program availability and loan amounts may vary based on state and software provider. The amount of the loan and applicable interest will be deducted from tax refunds and reduce the amount that is paid directly to the taxpayer. Fees for other optional products or product features may apply. Tax returns may be filed electronically without applying for this loan. Loans offered in amounts of $250 (where available), $500, $1,000, 25%, 50%, or 75% of your expected tax refund up to $7,500, with interest-based applicants receiving an average of $2,157.45; $7,500 available only to well-qualified applicants with a minimum expected tax refund of $10,592. Underwriting standards subject to change. When calculating the amount of your loan, the amount of your “expected” tax refund may be affected by any refundable tax credits and fees. Loans in the amounts of $250, $500, and $1,000 have an Annual Percentage Rate (APR) of 0.00%. Loans in the amounts of 25%, 50% or 75% of your expected tax refund have an APR of 36.0% with a minimum loan of $1,250. For example, $2,500 loan representing 50% of expected refund borrowed over 33 day term, total amount payable in a single payment is $2,581.37 including interest. Availability is subject to satisfaction of identity verification, eligibility criteria, and underwriting standards.
FasterMoney® Visa® Prepaid Card
The FasterMoney® Visa® Prepaid Card is a tax refund-related prepaid product offered by Pathward®, N.A., Member FDIC.