Offer your clients a $100 advance with no additional fee1!

There is no underwriting or approval process with our new EASY100. Eligible customers just need their tax return to be acknowledged by the IRS and they can receive this $100 no fee advance within minutes!

Customer Facts:

  • No additional cost to the customer
  • Available for disbursement on an instant issue Netspend® Visa® Prepaid Card2 or direct deposit3
  • Advance is repaid upon receipt of the refund
  • Available with or without an Easy Advance or Refund Transfer

EASY100 ERO Information:

  • Republic is the only bank offering this option!
  • ERO will opt-in on the TIC to participate in the program4.
  • Participating EROs will forfeit (a) Netspend prepaid card incentives and (b) the RT incentive for customers choosing direct deposit for their EASY100. See Software Pricing Plan Page for details.
  • Availability based on tax software selected.



  1. A Refund Transfer is not required to receive EASY100. The EASY100 is a no recourse loan secured by a taxpayer's tax refund to eligible applicants. There will be no collections activity for unfunded taxpayers.

  2. The Netspend Visa Prepaid Card is issued by Republic Bank & Trust Company, Member FDIC pursuant to a license from Visa U.S.A. Inc. Use of the Card Account is subject to activation, ID verification, and funds availability. A Monthly Fee, transaction fees, terms, and conditions apply to the use of reloading of the Card Account.

  3. Easy100 proceeds are typically available within 24 hours of IRS acceptance of tax return, however, if direct deposit is selected it may take additional time for the financial institution to post the funds to your account.

  4. ERO must be enrolled for Republic Bank’s Refund Transfer Program to offer the EASY100.


What ERO's Are Saying

Tools and Features...
"I use all of these tools every year and they help my small business run extremely well. I have worked with other banks before who didn't offer some of this assistance. This does make a difference."

Marketing Assistance...
"I was extremely satisfied with the services that were offered!"

Customer Service...
"Republic Bank has been a great company to work with and I appreciate the securities they have set in place for EROs and their clients."