Refund Transfers

What is a Refund Transfer?

A Refund Transfer (RT) allows customers to pay their tax preparation related fees and other amounts with their refund. The Refund Transfer Fee will be charged upon receipt of the first funding, regardless of whether it is a federal or state refund. A Subsequent Funding Fee will apply for each additional funding we receive, regardless of whether it is a federal or state refund. 

How long does a Refund Transfer take?

Timing depends on when the IRS or State releases the refund to Republic Bank. The IRS typically processes e-filed tax returns in less than 21 days unless it needs further review. See for the latest timing estimates.

Clients need money before their refund comes in? The Easy Advance is a great option!

*Important: The IRS will not start releasing refunds for taxpayers that have the Earned Income Tax Credit and/or Additional Child Tax Credit until February 15 due to The PATH Act.

Why do customers choose a Refund Transfer?


Customers want their taxes prepared professionally by you without having to pay anything up front.


A Refund Transfer allows customers with bank accounts the benefit of having their refund processed safely as a firect deposit rather than waiting additional time for a paper check to be printed and mailed from the IRS. Bank checks printed in your office can be picked up the same day you print.

Customers without bank accounts can choose a bank check with many low-cost options for check cashing or a Netspend® Visa® Prepaid Card which often provides many benefits of a traditional bank account. 


Many taxpayers, even those with bank accounts, prefer to pick up a bank issued check from the safety of their tax office rather than receiving an IRS issued check in the mail or a direct deposit.

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