With a Refund Transfer (RT) your refund will be direct deposited from the IRS or State with Republic Bank & Trust Company. Before being disbursed to you, Republic Bank’s Refund Transfer Fees are deducted from the refund. Additionally, all applicable Transmitter, Service Bureau, Tax Preparation, Audit Fees and other amounts are deducted from the refund and automatically forwarded to the appropriate party as authorized by you on your Bank Product Application and Agreement.

The remainder of your refund is disbursed to you by a bank check printed at the tax office, direct deposit to your personal bank account², or loaded to a Netspend Mastercard Prepaid Card³.

When you receive your refund depends on when the IRS or State releases the refund to Republic Bank.

Based on information published on www.irs.gov, the IRS issues most electronically filed refunds within 21 calendar days of IRS acknowledgement or within 6 weeks for paper filed returns. However, the IRS will not begin issuing refunds for Earned Income Tax Credit (EITC) and Additional Child Tax Credit (ACTC) related tax returns until February 15th. Visit www.irs.gov for details about your individual refund. Republic Bank & Trust Company does not guarantee whether, when or in what amount a tax refund will be issued. Once received by Republic Bank, your refund is immediately processed by deducting the amounts authorized by you and releasing the money according to the disbursement option you have chosen.

• You may choose to receive your refund as a Refund Transfer which is a fee-based product provided by Republic Bank & Trust Company (BANK).
• A Refund Transfer is not necessary to obtain your refund.
• If you obtained a BANK refund advance for the 2024 tax year from another tax preparer, the BANK will deduct related fees and amounts from your 2024 Federal and/or State tax return.
• If you have an existing bank account, you can file a tax return electronically and receive your refund by direct deposit within a similar time frame and without paying the additional fees associated with a Refund Transfer.
• If you choose a Refund Transfer, a Refund Transfer Fee and all other authorized fees and amounts will be deducted from your tax refund.
• If you choose a Refund Transfer, you will be charged a fee for your state refund or each additional funding. Please consult your tax preparer for specific details.
• You may be charged a Transmitter Fee and/or a Service Bureau Fee. Please consult your tax preparer for specific details.
• Tax preparation fees are determined by your preparer and disclosed to you on the Bank Product Application and Agreement.
• Netspend Prepaid Card monthly and transaction fees apply. Consult your Cardholder Agreement for details.

CONVENIENCE

With a Refund Transfer (RT), you can have your taxes professionally prepared and pay tax preparation and other related fees with your refund money. This is a very convenient way to pay the fees associated with tax preparation and tax return filing without having to pay anything up front.

SPEED

If you don’t have a bank account, an RT allows you the benefit of having your refund processed safely as a direct deposit rather than waiting additional time for your check to be printed and mailed from the IRS or State. You can choose to receive your RT disbursed as a bank check with many low-cost options for check cashing available, or a Netspend Prepaid Card which often provides many benefits of a traditional bank account.

SECURITY

Many customers feel most comfortable with the security and personal service of picking up a bank issued check from the safety of the tax office rather than receiving an IRS or State issued check in the mail.

The December Dollars Advance is a one-time loan offered December 16 – December 31, and is secured by your tax refund but not your actual refund. It is subject to underwriting and approval by the BANK. You may receive an Advance amount less than what you requested, and a Finance Charge will apply. Typically, proceeds will be disbursed to you within 24 hours. Please consult with your tax preparer to see if this program option is available to you.

• When applying for the December Dollars Advance, you can consent to see if you are pre-qualified for an Easy Advance. You are not obligated to apply for an Easy Advance when you return to finish filing your taxes.
• To be eligible for the December Dollars Advance, your expected Federal refund must be above the set minimum threshold after any fees you have authorized are deducted. Additionally, your tax return and credit bureau information will be evaluated to determine the likelihood that it will be funded by the IRS.
• Loan amounts are $100, $200, or $300. Consult your tax preparer for details about which loan amounts may be available to you.
• You may rescind the December Dollars Advance within 7 Business Days of your receipt of the Advance proceeds by contacting Republic Bank at 866-581-1040.
• You will receive an email from Republic Bank stating your December Dollars Advance status.
• Customers that elect their December Dollars Advance amount can elect a different Easy Advance amount when they return to the office. A Refund Transfer and/or an Easy Advance are not required when completing the final tax return.
• If approved, repayment of the December Dollars loan amount and Finance Charge is due upon receipt of your 2024 tax refund from the IRS and/or state taxing authority, which will reduce the amount of your refund received from the IRS and/or State.
• If declined for the December Dollars Advance, you will receive an email stating you were declined, and an Adverse Action letter will be mailed explaining the decline reason. You can still apply for an Easy Advance even if declined for the December Dollars Advance. You may elect to receive a Refund Transfer when you complete your final tax return.
• Your tax preparer may pay a fee to Republic Bank & Trust Company for each approved December Dollars Advance. Your tax preparer is prohibited from passing this fee on to you.

Easy Advance is a one-time loan not intended for long-term use. Your Easy Advance is subject to underwriting and approval by Republic Bank & Trust Company. You may receive an Easy Advance amount less than what you requested. A Finance Charge will apply. Typically, your proceeds will be disbursed to you within 24 hours of Internal Revenue Service (IRS) acceptance of your Federal tax return. The Easy Advance is secured by and paid back with your tax refund but is not your actual tax refund.

• You can file your tax return electronically and have the IRS or state issue your tax refund directly to your existing account without applying for an Easy Advance.
• According to the IRS, if you file a tax return electronically and do not obtain an Easy Advance, you can expect to receive a tax refund within 21 days by direct deposit or mail. However, the IRS will not begin issuing refunds earlier than February 15th for Earned Income Tax Credit (EITC) and Additional Child Tax Credit (ACTC) related tax returns. If you mail your return and do not obtain an Easy Advance, you can expect to receive a tax refund within 6 weeks by direct deposit or mail.
• To receive an Easy Advance, you are not required to choose a Refund Transfer.
• To be eligible for the Easy Advance, your expected Federal refund must be above the set minimum threshold after any fees you have authorized are deducted. Additionally, your tax return and credit bureau information will be evaluated to determine the likelihood that it will be funded by the IRS. Your application for the Easy Advance may be denied if you have any delinquent child support or outstanding unpaid taxes, student loans or other federal debt.
• If approved, repayment of the Easy Advance loan amount and Finance Charge (if applicable) is due upon receipt of your 2024 tax refund from the IRS and/or state taxing authority, which will reduce the amount of your refund received from the IRS and/or State. The remainder of your refund will be disbursed to you in the same manner you select on your Bank Product Application and Agreement.
• Loan amounts offered vary by tax office.
• Consult your tax preparer for details about which loan amounts may be available to you.

• You may rescind the Easy Advance within 7 Business Days of your receipt of the Easy Advance proceeds by contacting Republic Bank at 866-581-1040.
• If declined, you will not be charged a Finance Charge for the Easy Advance and your tax refund will still be routed to Republic Bank and disbursed to you in the same manner you select on your Bank Product Application and Agreement. If declined and you applied for an Easy Advance and Refund Transfer, you will still receive and be charged for the Refund Transfer.
• Your tax preparer may pay a fee to Republic Bank & Trust Company for each approved Easy Advance. Your tax preparer is prohibited from passing this fee on to you.
• The IRS and/or state taxing authority do not guarantee the amount or time of payment of your refund.
• An Easy Advance may cost more than other sources of credit. Before applying for an Easy Advance, you should consider whether an Easy Advance is consistent with your personal needs and financial circumstances.

An EASY100 Advance is a one-time $100 loan at no additional cost to you, not intended for long-term use. There are no fees or interest associated. Typically, your proceeds will be disbursed to you within 24 hours of Internal Revenue Service (IRS) acceptance of your Federal tax return. The EASY100 Advance is secured by and paid back with your tax refund but is not your actual tax refund. Please talk with your tax preparer to see if this program option is eligible for you.

• Available to those whose net refund is at least $100.
• There is no underwriting process.
• You can choose to apply for any or all Bank Products for which you are eligible for. There will be no option to apply for an EASY100 Advance after the Bank Product Application has been submitted.
• There is no review process upon being declined.
• If you were declined for an Easy Advance and/or preACK, you will still receive the $100 upon IRS acknowledgement.
• Disbursement options available with EASY100 Advance are Netspend Prepaid Card and Direct Deposit. The method chosen for disbursement for the EASY100 Advance will also be used for any other Easy Advance or Refund Transfer selected.
• If the EASY100 Advance rejects and fails to load successfully either on the card or direct deposit, then the $100 advance will be voided and cancelled. There is no flip to check disbursement option for an EASY100 Advance.

• If you choose a Refund Transfer in addition to the Easy Advance, your disbursement options are Bank Check; Direct Deposit; or Netspend Prepaid Card. You will receive both the Easy Advance and Refund Transfer proceeds by the same disbursement method.
• Disbursement options available with EASY100 Advance are Netspend Prepaid Card and Direct Deposit. The method chosen for disbursement for the EASY100 Advance will also be used for any other Easy Advance or Refund Transfer selected.
• If you choose December Dollars Advance and/or an Easy Advance without a Refund Transfer and/or an EASY100 Advance, then the disbursement options available for you to receive your Easy Advance proceeds and tax refund are Direct Deposit or Netspend Prepaid Card.
• If you choose a Netspend Prepaid Card and are approved for an Easy Advance a monthly Plan fee will begin 30 days after receipt of the Easy Advance proceeds and your first Over the Counter Cash Withdrawal Fee will be waived.

• All Advance applications are on an individual basis so only one taxpayer can apply.
• It is solely your choice in determining who applies for the Advance.
• Only the applicant’s name will appear on the Advance check.

• For additional information about tax refund processing, please consult www.irs.gov or the applicable tax authority’s website.
• Go to www.joinbankon.org for information about low-cost “starter” or “second chance” bank accounts and access to financial education resources.