We help tax businesses grow

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

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

Taxpayers can apply for an advance of $250-$6,000 on their tax refund proceeds at your office. Available nationwide - offer the products your clients desire... when they need them the most! Available January 2, 2019.

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, FREE market analysis, 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.

>

Save $25

on the marketing fee when the loan is loaded to a prepaid card!

Refund Transfer

Our most popular program is compatible with any tax software program! 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 Advances

Offer your customers the ability to apply for an advance on their tax refund as a instant-issue check or onto their FasterMoney Card.

 

$250 - $6,0005

Available January 2, 20196

Low $45 marketing fee for all levels6

 

Offer your customers CHOICE:

A lower refund advance amount for no cost

or

A higher refund advance with interest fees

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, FREE market analysis, 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.

Market Analysis Report

With your ERO Market Analysis, you will learn details on competitors in your market area, your region, and nationwide.  Use this information to determine the value of your business, identify who your competition really is, and determine your future marketing plans. The ERO Market Analysis reports are updated regularly as new information becomes available.

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).

  • 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.

Faster Money

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

Faster 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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© 2018 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.

 

The Refund Advance is an optional tax-refund related loan provided through MetaBank (it is not the actual tax refund) at participating locations.  Availability is subject to satisfaction of identity verification, eligibility criteria, and underwriting standards.

 

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 25%, 50%, or 75% of your expected tax refund from $250 - $6,000. Loan in the amount of 25% of your expected refund has an Annual Percentage Rate (APR) of 0.00% and a maximum loan of $2,500. Loan in the amounts of 50% or 75% of your expected tax refund have an APR of 36.0%. For example, $3,000 representing 50% of expected refund borrowed over 24 day terms, total amount payable in a single payment is $3,071.01 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 $79.