Qualified ATAX customers can receive a loan on their anticipated tax refunds in as little as 12-24 hours through a RAL. The RAL, or Refund Anticipation Loan, provides taxpayers with a check in the amount of their anticipated tax refund, less applicable fees. Customers can choose to have the RAL funds deposited directly into their bank account or pick up a check at the office where they filed their return. The RAL is a fast and convenient way to get your refund.

How does it work?

• The client returns to your office to pick up the Refund Anticipation Loan check (less fees) in as little as 24 hours.
• The client may choose to receive the Refund Anticipation Loan funds through direct deposit to his or her personal bank account.
• All loans equal to the refund amount, including 100% of the Earned Income Credit (EIC).
• No additional charge for clients claiming the Earned Income Credit (EIC).
• All clients are eligible to apply for a full Refund Anticipation Loan regardless of EIC status or whether or not they have prior RAL experience.
• No minimum withholding requirement.
• Adoption Taxpayer Identification Numbers (ATINs) and Individual Taxpayer Identification Numbers (ITINs) are accepted.
• All fees are deducted from the check or direct deposit amount, so your client pays nothing out-of-pocket.
• Fees are deposited to your bank account with your up-front incentives (where applicable) on a daily basis.

* Refund Anticipation Loan application required. Loans are provided by our service bank (Republic Rank), and are subject to qualification and a maximum loan amount. Bank fees and other charges are deducted from loan proceeds.

If you don't need your refund within 12-24 hours, you can try our Electronic Refund Check (ERC). The ERC offers all of the benefits of electronic filing and – if you don’t need your refund right away – it also saves you money. Electronic Refund Checks are printed within 10 to 16 days after IRS acceptance. Tax preparation and other fees are deducted from the refund amount given to the customer in the form of a cashier's check.

What is an Instant Tax Refund Loan? It is an $1,800 advance on a Refund Anticipation Loan. The Loan decision is received in approximately 35 seconds!

How does it work?

• The Instant Tax Refund Loan (Instant RAL) decision is returned in approximately 35 seconds (on average).
• Your client could get a loan for up to $1,800 (subject to approval) before they leave the office.
• The classic Refund Anticipation Loan (minus the Instant Tax Refund Loan and bank fees ) is processed in as little as 24 hours.

What is a Refund Processing Transfer? An RPT is the easiest and most cost-effective way for your clients to process their refund and pay for tax preparation services out of their refund amount. Your client receives a direct deposit to their personal bank account in an amount equal to their anticipated federal and state income tax refunds (less fees) when the bank receives their actual refund.

How does it work?

• The client receives their RPT (less fees) via direct deposit to their personal bank account in approximately 8-15 days.
• All fees are deducted from the direct deposit amount, so your client pays nothing out-of-pocket.
• Fees are deposited to your bank account with your up-front incentives on a daily basis.

What is a Refund Anticipation Check? Your client receives an amount equal to their anticipated federal or state* income tax refund (less fees) when the bank receives their actual refund from the IRS or state.

How does it work?

• The client returns to your office to pick up the Refund Anticipation Check (less fees) in approximately 8-15 days.
• All fees are deducted from the check or direct deposit amount, so your client pays nothing out-of-pocket.
• Fees are deposited to your bank account with your up-front rebates on a daily basis.

What is TaxLine®?* It's a line of credit available to clients who owe a balance due on their federal tax return to the IRS.

How does it work?

• The client applies for TaxLine® during the tax filing process. A decision is returned within 3 minutes.
• TaxLine® is available from $300-$8,000. Clients apply for their full balance due amount.
• If approved, the client can accept or decline the offer which may or may not be for the full amount they requested.
• For clients who accept the TaxLine® offer, the approved amount will be transferred automatically to the IRS from the bank on April 15th to pay towards their IRS debt.
• Clients enjoy a 90-day same-as-cash feature on their line of credit so they owe nothing and incur no finance charges until July 15th**.
• Clients will also receive Access Checks to use on their account. Clients will receive access checks in the mail quarterly to use in any way they choose.

ATAX customers who are not receiving refunds can pay their tax obligation conveniently with their VISA®, American Express®, Discover®, MasterCard®, or debit card. Using these options, the taxpayer can choose to pay their tax due over a period of time with the assurance that there will be no late fees or penalties.