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TaxAct Professional® has partnered with Republic Bank and Trust Company®

Refund Transfers1 and Easy Advances2

With over 20 years of experience in the e-file industry and competitive program features, Republic Bank is the right choice for your business.

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TaxAct 2021 Professional Editions provide the option to offer your clients $6,000, $4,500, $3,000, $2,000, $1,500 or $500 as an Easy Advance, with funding and underwriting by Republic Bank & Trust Company.

  • The process is built into one application in TaxAct 2021 Professional Editions for all Republic Bank products.

  • Easy Advance amount is based on net refund (taxpayers’ expected refund amount after deduction of all fees) so you know how much your clients are applying for.

  • Available in all 50 states.

  • Customers can choose which loan amount to apply for based on their net refund.

  • Refund Transfer NOT required to apply, but you must be enrolled for Republic Bank’s Refund Transfer Program.

  • Available for all disbursement types with a Refund Transfer: check, direct deposit, a prepaid card, or Walmart Direct2Cash3. If clients do not choose a Refund Transfer, disbursement options are direct deposit or prepaid card.

In order to offer Easy Advance to your clients, you must be approved for Republic Bank's Refund Transfer Program. If approved, a Finance Charge may apply depending on the EA Program selected. See below for details.


Easy Advance2 Options

Do you have clients counting down the days until their return comes in? Capture more business by offering Republic Bank's Easy Advance1 product. We have THREE EASY ADVANCE program options so you can choose the right fit for you!

Easy Advance Plus

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

  • Customers choose their loan amount

  • Available to new and returning EROs

*Please note: Easy Advance Plus losses in excess of 5% may result in forfeiture of ERO incentives.

Easy Advance Customer Pay

  • New this year! $500 to $2,000 loan amounts

  • No charge to the ERO

*Please note: Easy Advance Office Pay and Customer Pay losses in excess of 2% may result in forfeiture of ERO incentives.

Easy Advance Office Pay

  • New this year! $500 to $3,000 loan amounts

  • No additional charge to the taxpayer

  • Customers choose their loan amount

preACK Easy Advance2

  • Attract and retain customers by offering an advance before e-file starts. After choosing Easy Advance Plus, Office Pay or Customer Pay, add on the preACK Easy Advance option.

  • Approved customers will receive their EA funds from January 3rd through the start of e-file.


Refund Transfers1

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 $15 revenue share2 for customers that choose a Prepaid Card. You have the opportunity this year to earn up to $28 per customer.

  • No volume requirements

  • No incentive tiers

  • No complicated calculations

  • Receivables Assistance4: Republic Bank will provide advance payment of 50% of your tax preparations fees on all acknowledged returns with RT’s at the beginning of filing season to help with your financial needs until the IRS funding begins.

  • preseasonRAP5: EROs can get up to $40,000 in preseason Receivables Assistance. Republic Bank will provide an advance payment in early December to approved EROs

  • Taxpayer Text Updates6: Save time and resources by letting Republic Bank notify your customers with a text messages when their checks are ready for pick up or their direct deposit has been released!

  • Mobile Phone App6: Republic Bank’s app will let you know how many checks you’re going to print today, how much in fees you’re getting, and more.

Refund Transfers and Easy Advances are offered by Republic Bank & Trust Company, Member FDIC.

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.

2 ERO must be enrolled for Republic Bank's Refund Transfer Program to offer the Easy Advance program. 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 October 2020 and is subject to change.

3 A $7 Walmart Direct2Cash fee will be charged to the taxpayer and deducted when we receive their refund. Available at participating Walmart locations for disbursements up to $7,500. This disbursement option is not available to customers that select an Easy Advance without a Refund Transfer

4 ERO's signed up for RAP are charged a 2% origination fee on each dollar loaned that is paid from tax preparation fee disbursements.

5 ERO's signed up for preseasonRAP are charged a 3% origination fee on each dollar loaned that is paid from tax preparation fee disbursements.

6 Message and data rates may apply from the wireless carrier.

7 If a customer chooses direct deposit, it may take additional time for their financial institution to post the funds to their account