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Refund transfers, taxpayer refund advances, business loans, loyalty program, & marketing tools

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Tax Products

At Refund Advantage, we offer you tax refund program options that allow you to provide taxpayers with their federal and/or state refund proceeds quickly and securely by: a check printed in your office, prepaid card, or ACH direct deposit. Our full-service program gives you all the features, benefits, and revenue opportunities typically enjoyed only by the national chains.

Refund Transfers

Taxpayers can have their tax preparation fees deducted from their tax refund, while allowing the ERO to maximize their incentive earned. It is perfect for the ERO looking to provide a great product to their client, with additional revenue opportunities.

Taxpayer Advance Loans

PROGRAM DETAILS RELEASED!

Offer your customers the ability to apply for a taxpayer advance loan and they could receive $500-$6,000. Available nationwide - offer the products your clients desire... when they need them the most! Available January 2, 2020.

Business Loans

With all the unknowns in the tax preparation industry, Refund Advantage is prepared for industry fluctuations and gives you access to money when you need it most. Offering Pre-Season, In-Season, and Software Purchase Assistance.

Marketing Tools

Use the marketing tools provided by Refund Advantage to grow your business. Offering FREE promotional materials and a postcard retention program.

FasterMoney® Visa® Prepaid Card

The FasterMoney Visa Prepaid Card is an easy disbursement option for you and your

clients. The taxpayer can use the FasterMoney Card for their tax refund deposit, plus they can load additional money to access Fee-Free1 in-network2 ATMs.

Taxpayer Loyalty Program

Offer customers INSTANT REWARDS up to $100 on a FasterMoney Visa Prepaid Card! Get an early advantage over your competition in time for the holidays! Attract new customers, retain existing customers, or use as a referral program.

Refund Transfer

Refund Transfers allow your customer to pay your tax preparation fees from their tax refund, while allowing you to maximize your incentive earned. Our tax refund program allows you to provide taxpayers with their federal and/or state refund proceeds quickly and securely by: a check printed in your office, prepaid card, or ACH direct deposit. Our full-service program gives you all the features, benefits, and revenue opportunities typically enjoyed only by the national chains.

Easy Disbursement Options:

Prepaid Card

Disburse funds onto a FasterMoney Card that your client leaves the office with.

Direct Deposit

Disburse funds into your client's personal checking or savings account.

Instant Issue Check

Clients pick up a check that has been printed securely in your office.

Nationwide Check Cashing Solutions:

Over 10,000 check cashing locations across all 50 states!

 

We offer many convenient and affordable solutions when it comes to check-cashing services for your client’s instant checks! With over 10,000 check cashing locations nationwide, your clients can have easy access to their money! A toll-free verification number and website address are printed on all checks, enabling check verification 24-hours a day.

Walmart® provides check-cashing services for checks issued to your clients. Walmart charges a $4 fee to cash checks of $1,000 or less, and $8 to cash checks over $1,000. Availability and check cashing limits vary by state and are subject to applicable law. Check with your local Walmart Money Center for more details.

 

Taxpayer Advance Loan

Our commitment is to provide taxpayer advance loans at NO COST to YOU and YOUR CUSTOMER!7 We heard your feedback - we have reduced or eliminated your marketing fees and kept a no-cost option for your customers, all with NO price increases!

 

2020 Refund Advance Loan options from

$500-$6,0005

 

NEW Program Highlights:

No cost options for you and your customer7

High approval rates, simple application process

Taxpayer Pre-Ack6 loans available first week in January

Generous incentives

That is right, there is NO marketing fee to you if your customer gets their taxpayer advance loan on a prepaid card - nothing comes out of your tax prep fees!

 

 

(Excludes Pre-Ack advances)

Business Loans

As a benefit of partnering with Refund Advantage, qualified tax preparers have access to tax office business loans. These loans are available to qualified EROs pre-season and in-season, and are simply paid back through your tax preparation fees.

Money to get you started:

Software Purchase Assistance

With our Software Purchase Assistance, Refund Advantage will allow you to take advantage of your software's early pricing. Once tax season begins, the advance is repaid through your tax preparation fees.

In-Season Fee Assist

Our In-Season Fee Assist Program helps you meet payroll, pay the rent, and keep the lights on at the start of filing season. Fee Assist allows you to receive a portion of your tax preparation fees early (once the IRS has acknowledged the return), helping you manage funding during the initial filing of taxpayer returns. The program begins on the first day of the regular filing season.

Pre-Season Office Startup Advances

Our Pre-Season Office Startup Advances can help you with funding as you gear up for the season! Receive an advance before tax season to help with office startup, office equipment and promotional expenses. Once tax season begins, the advance is repaid through your tax preparation fees

Marketing Tools

Use the marketing tools provided by Refund Advantage to grow your business. Offering FREE promotional materials and a postcard retention program.

Marketing Products:

Promotional Materials

FREE promotional materials are available including posters and table tents. Outdoor banners and window decals are available in English and Spanish at an additional charge.

Postcard Retention Program

FasterMoney Card

Offer your customers a great disbursement option with the FasterMoney card.

  • It's Fast: No waiting for a check – money automatically loads to the card and customers can receive a text5 letting them know as soon as their funds are available.

  • It's Safe: No worries of a check getting lost or stolen. If the card is lost or stolen, their money and their card are replaced (subject to terms and conditions).

Visa's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions.  Cardholder must notify issuer promptly of unauthorized use.  Consult issuer for additional details or visit www.visa.com/security.



  • Reduce Paperwork & Costs: Reduce time and costs spent issuing checks & responding to customers repeatedly asking about their refund status – simply hand them their card as they leave your office.

Fast Money

Receive paychecks or government benefits3 up to 2 days faster4 if you use free1 direct deposit.

Fast Payments

Accepted everywhere Visa debit is accepted worldwide including ATMs.

Taxpayer Loyalty Program

Offer customers INSTANT REWARDS up to $100 on a FasterMoney Visa Prepaid Card! Get an early advantage over your competition, in time for the holidays! Attract new customers, retain existing customers, or use as a referral program. Features include:

  • Available Pre-Season - in time for the holidays!

  • No acknowledgment required.

  • You choose how much to reward your customers - $25, $50, or $100 Rewards available!

  • The same loyalty reward card can also be used as a disbursement method for your customer’s tax refund.

 

CONTACT INFO

ERO Support: 1-800-967-4934

Taxpayer Support: 1-866-876-6648

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© 2019 Refund Advantage, a division of MetaBank®. All rights reserved.

 

Tax refund and e-filing are required in order to receive bank product.  Bank fees apply.  Product terms and conditions are subject to change without notice.  Program availability varies by software and state. The Refund Transfer is an optional tax refund-related product offered by MetaBank, Member FDIC. The Refund Transfer is not a loan.  E-filing of tax return is required to be eligible for the product.  Fees apply.  See terms and conditions for details.

 

FasterMoney Visa Prepaid Card is issued by MetaBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

 

IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

 

1While this feature is available for free, certain other transaction fees and cost terms, and conditions are associated with the use of this Card. See cardholder agreement for more details. Feature available after identity verification is completed.

2For each out-of-network ATM withdrawal, FasterMoney charges a $1.99 fee. Plus, the ATM owner may charge a fee.

3Benefits like Social Security, Disability/SSI, Veterans or Civil Service payments.

4Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks versus deposits made electronically.

 

5The Refund Advance is an optional tax-refund related loan provided by MetaBank® (it is not the actual tax refund) at participating locations. 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 $500, $1,000, 25%, 50%, or 75% of your expected tax refund from $500 - $6,000. Loans in the amounts of $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 25 day term, total amount payable in a single payment is $2,561.64 including interest. Availability is subject to satisfaction of identity verification, eligibility criteria, and underwriting standards.

 

6If office chooses to offer the Pre-Ack Refund Advance (prior to IRS Acknowledging Returns) the ERO Marketing fee is $75.

 

7Certain Refund Advance Loans are available at no cost to tax preparers and taxpayers, however other options include a marketing fee and consumer fee.