Frequently Asked Questions
HAVE QUESTIONS? WE HAVE ANSWERS!
Get answers to the most frequently asked questions about our bank programs for tax proffesionals like you. If you can’t find what you’re looking for here, reach out to our Award-Winning support team. Let us go the distance for you!
About Refund Advantage
What is Refund Advantage and how does it help my tax office?
Who does Refund Advantage work with?
Is Refund Advantage a bank?
What kind of support do you provide during tax season?
Enrollment FAQS
How do I enroll with Refund Advantage?
Is there a cost to enroll?
What documents are required?
How long does approval take?
Can I switch from another bank?
Refund Transfer Program FAQS
What is a Refund Transfer?
When do I receive my prep fees?
What happens if the IRS delays a refund?
ALL-IN-ONE Solution FAQS
What is ALL-IN-ONE?
Is ALL-IN-ONE required?
Is there a cost to bundling ALL-IN-ONE?
Why would I choose ALL-IN-ONE instead of separate programs?
Does ALL-IN-ONE mean I lose flexibility?
Taxpayer Advance Loans FAQS
What are Taxpayer Advance Loans?
When are Advance Loans available?
How do Advance Loans benefit my office?
Tax Office Funding FAQS
What funding options are available for tax offices?
December Loyalty Program6 FAQS
What is the December Loyalty Program?
Marketing Materials & Supplies FAQS
Do you provide marketing materials?
Do I need special equipment to print checks?
- 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.
- 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 $2,003.41; $7,500 available only to well-qualified applicants with a minimum expected tax refund of $9,569. 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 31-day term, total amount payable in a single payment is $2,576.44 including interest. Availability is subject to satisfaction of identity verification, eligibility criteria, and underwriting standards. DETAILS AND LOAN AMOUNTS SHOWN REFLECT 2026 PROGRAM LEVELS. 2027 PROGRAM DETAILS ARE COMING THIS FALL.
- Fees apply to EROs only with respect to successful debit payments. EPS is facilitating debit payments of unfunded ERO tax preparation fees on behalf of EROs
- Office loan availability dependent on ERO enrollment approval and eligibility criteria. Terms and conditions apply.
- Pre-Acknowledgement Loans (approved prior to IRS Acknowledgement) have a $75 Marketing Fee.
- The December Taxpayer Loyalty Program is not a loan to your clients. No fees may be charged to your clients for this program. Refer to your ERO Program Agreement for further details.