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 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.


1A Refund Transfer is a fee-based product offered by Republic Bank & Trust Company, member FDIC. 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 ERO must be enrolled for Republic Bank’s Refund Transfer Program to offer the Easy Advance program. Cost to ERO per approved Easy Advance will be deducted from ERO tax preparation fees and cannot be passed to the taxpayer. If a customer does not choose a Refund Transfer, disbursement options are direct deposit or prepaid card. Net Refund refers to the taxpayer’s expected refund amount after deduction of all fees. Please check with your software provider for availability. All information is as of October 2016 and is subject to change.

3The NetSpend Visa Prepaid Card is issued by Republic Bank & Trust Company, Member FDIC pursuant to a license from Visa U.S.A. Inc. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account.