Pricing Plans



Refund Transfer1

The Refund Transfer fee is $39.95 with a $10 subsequent deposit fee. Republic Bank will pay you an $8 revenue share per Refund Transfer and $5 per subsequent deposit. Earn as much as a $15 revenue share2 for customers that choose a Netspend® Visa® Prepaid Card3. You have the opportunity this year to earn up to $28 per customer.


Easy Advance4

Choose what's best for your business from our suite of Easy Advance options!

Easy Advance Options
Easy Advance Plus5

Want to have the highest advance amount available? Choose the Easy Advance Plus option and offer loan amounts of $6,000, $4,500, $3,000, $2,000, $1,500, $1,000 or $500 based on the taxpayer’s net refund.

For your customers that need cash quickly but don't want to pay a fee, Easy Advance Plus now has no charge to the taxpayer for the $500 or $1,000 loan amounts!

  • Customers choose their requested loan amount.
  • No charge to taxpayers for the $500 or $1,000 loan.
  • Shared cost between taxpayer and ERO for loans $1,500 and above.
  • ERO pays same fees for all approved Easy Advances.
  • Available to new and returning EROs.
Easy Advance Customer Pay6
  • $500 to $3,000 loan amounts based on the taxpayer's net refund.
  • No charge to the ERO.
  • Customers choose their loan amount and pay the associated Finance Charge.
preACK Easy Advance7
  • Offer an advance before e-file starts!
  • Issue money to your approved customers at the beginning of January before the IRS even opens.
  • Add-on to any Easy Advance program offered by your software.

Additional Easy Advance Details

  • EROs must enroll to offer.
  • Easy Advance is available through February.
  • Add on preACK Easy Advance if you want to start offering before e-file begins.
  • The Easy Advance loan application is built into your software.


Offer your clients a $100 advance with no additional fee!8

EASY100 Details
Taxpayer Information

There is no underwriting or approval process with our new EASY100. Your eligible customers just need their tax return to be acknowledged by the IRS and they can receive this $100 no fee advance within 24 hours!

  • No additional cost to the customer
  • Available for disbursement on an instant issue Netspend Card or direct deposit9
  • Advance is repaid upon receipt of the refund
  • Available with or without an Easy Advance or Refund Transfer
ERO Information

Republic is the only bank offering this new option!

  • ERO will opt-in on the TIC to participate in the EASY100 program
  • Participating EROs will forfeit (a) Netspend prepaid card incentives and (b) the RT incentive for customers choosing direct deposit for their EASY100

Prepaid Card

The Netspend® Visa® Prepaid Card3 is available as a disbursement option for your clients. 

1. A Refund Transfer is a fee-based product offered by Republic Bank & Trust Company, Member FDIC. A Refund Transfer Fee and all other authorized amounts will be deducted from the taxpayer’s tax refund. Pricing and rebates vary by software.

2. An ERO office will receive a rebate of $10 for each Netspend Card, up to 10 (ten) cards, or $15 if the office volume is 11 (eleven) or greater, for all cards issued and funded by a Refund Transfer with at least $50 between January 1, 2023 - May 31, 2023 (the “promotional period”). This offer is from Republic Bank & Trust Company. Not all software providers participate in the rebate program. Netspend or Visa are not affiliated in any way with this offer and do not endorse or sponsor this offer.

3. 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 and reloading of the Card Account.

4. ERO must be enrolled for Republic Bank's Refund Transfer Program to offer the Easy Advance programs. 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. All information is as of August 2022 and is subject to change.

5. Easy Advance Plus losses in excess of 4% may result in forfeiture of ERO incentives.

6. Easy Advance Customer Pay losses in excess of 2% may result in forfeiture of ERO incentives.

7. There will be a charge to the ERO for each approved preACK Easy Advance.

8. ERO must be enrolled for Republic Bank’s Refund Transfer Program to offer EASY100. There is no cost to the ERO per approved EASY100. However, incentives will be forfeited. Taxpayer’s net refund must be at least $100 to apply. The IRS must acknowledge the tax return to fund. Please check with your software provider for availability. EASY100 will end on March 31, 2023.

9. 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.

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."