REFUND ANTICIPATION LOAN (RAL) aka Rapid Tax Refund

This is the fastest method for receiving your money. Get it within 1 to 3 days. When approved for the RAL*, the qualified amount of your refund is paid to you (after preparation and bank fees are deducted).
*If the IRS accepts your return and your RAL application does not get approved for any reason, your account will automatically be converted to an RT. You will only be charged the RT rate. If your loan is not for the entire refund amount, the remaining portion will act as an RT (no additional charge for the RT portion). If you receive a loan via this method and the IRS does not pay the balance owed to the bank, you are responsible for the repayment.

REFUND TRANSFER (RT)

This is yet another cost effective but quick way of receiving your money. The RT is a great option when you desire no up-front expense. Preparation fees are taken directly out of your tax return. Once the IRS accepts your electronically filed tax return, the bank sets up a temporary account in your name. When the IRS deposits your refund into that account, your refund amount is then paid to you. Your money is available in one to two weeks (minus preparation and bank fees).