Products Overview

With Republic Bank & Trust Company’s Bank Products, your customers have more tax refund solutions. With a Refund Transfer (RT)1 they can receive their refund conveniently while paying their preparation fees and other fees with their refund. The Easy Advance (EA)2 is a $750 loan secured by a taxpayer's refund and does not require an RT.

Disbursement Options with Refund Transfers with or without an Easy Advance include Bank Checks, ACH Direct Deposit, NetSpend Visa ® Prepaid Card3 and Walmart Direct2Cash. For customers who choose a bank check, we provide extensive Check Cashing Options at a variety of well-known banks and retailers.

Disbursement Options with an Easy Advance only product are either Direct Deposit or Prepaid Card.


1 A Refund Transfer is a fee-based product offered by Republic Bank & Trust Company. A Refund Transfer Fee and all other authorized fees will be deducted from your tax refund. Visit your tax preparer to learn about all filing options, including obtaining your refund at no additional cost.

2 An Easy Advance (EA) is a $750 loan secured by your tax refund and is offered by Republic Bank & Trust Company to qualifying applicants. There are no fees or interest associated with the EA. EA proceeds are typically available within 24 hours or less of IRS acceptance of tax return. It may take additional time for your financial institution to post the funds to your account. Visit your tax preparer to learn about the cost and timing of all filing and product options.

3 The NetSpend Visa® Prepaid Card is issued by Republic Bank & Trust Company; Member FDIC. NetSpend, a TSYS® Company, is a registered agent of Republic Bank & Trust Company. A $5 Monthly Fee will begin upon initial receipt of Federal or State refund proceeds. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement at www.republictaxpayer.com for details