With Refund Transfer, you can pay your tax preparation fees and other authorized amounts from your refund. Plus, it’s a convenient, secure way to get your tax refund. When filing your taxes with us, you can use Refund Transfer to set up an FDIC-insured Refund Account to receive your refund. Once your refund is received, payments you authorize (such as tax preparation and related fees) will be made from your Refund Account, and the remaining funds are then sent to you. No fees are collected until all services are complete.

What is a Refund Transfer?

A Refund Transfer (RT) is a financial product made available to taxpayers at the completion of services. The Refund Transfer is for taxpayers who file electronically but do not have the out of pocket funds to pay for their tax preparation and e-filing fees. Once the IRS or state taxing authority deposits the taxpayer’s refund proceeds into a designated account set up through one of the authorized bank partner, the taxpayer will receive their funds by bank check or direct deposit.

How do I know if I have a Refund Transfer Service?

The refund transfer program is typically used when people do not have a bank account and want to receive a refund faster than regular mail — or when they don’t want to pay immediately for tax-preparation fees and would rather have those fees deducted from a tax refund

How come my information is not in the system?

It could take up to 24 hours for the refund transfer service to receive customer records from your transmitter. If your record is not in the database, it has not yet been received from the transmitting source (this process could take up to 24 hours). We only receive records Accepted by the IRS and/or state agencies; we suggest that you verify if the return has been rejected by the IRS and/or state agencies. You should also contact your software provider and inquire if there were any errors during the transmission process which you were not aware of.

How does the Refund Transfer work?

Usually, 1 to 2 days before a refund is scheduled to arrive, the IRS sends a pre-notification of the refund amount to the bank that processes your funds.  The IRS does not deposit the money at this time, but it is only a notification that the refund is on its way. Refund Transfer Service set up the disbursement upon receiving that pre-notification so that the money reaches the taxpayer on the same day it would have if the money was deposited directly from the the IRS into the taxpayer’s bank account.

How long does it take to get my refund?

There is no delay associated with the Refund Transfer and it may actually help you get your money faster, depending on your circumstances. The answer depends on whether or not you have a bank account.

Here are the Most Common Refund Transfer Services

Bank Phone
Bank of New York Mellon Mellon Client Support Rm 154-0960 Pittsburgh, PA 15259-0001 (412) 236-3338
JP Morgan Chase Bank 10430 Highland Manor Drive Tampa, FL 33610 (800) 935-9935
Discover Bank 502 E. Market Street Greenwood, DE 19950 (302) 349-4512
HSBC Trust Co. Delaware NA 1201 N. Market Street Suite 1001 Wilmington, DE 19801 (877) 472–2249
JP Morgan Chase Bank, NA ACH Dept, Attn: S. Sell 9000 Haggerty - MI 1-8205 Belleville, MI 48111 (800) 677-7477
Green Dot Pasadena, CA 91117 (866)795-7597
HSBC Bank USA One HSBC Center 14 Floor Buffalo, NY 14203 (877) 472-2249
MetaBank PO Box 50588 Storm Lake, IA 50588 (605) 782–0740
HR Block Emerald Card Kansas City, MO 64171 (866) 353-1266
Republic Bank Trust 601 West Market Street Louisville, KY 40202-2700 (502) 584-3600
Bank of America Direct Deposit Coordinator PO Box 27025 Richmond, VA 23261 (800) 446–0135
Zions First National Bank PO Box 25837 Salt Lake City, UT 84125 (801) 974-8800
Netspend Austin, TX 78768 (866) 387-7363

Check Santa Barbara Tax Products Group

With these major Tax Software companies Santa Barbara Tax Products Group gives you the freedom to choose whichever software best meets your business needs. We test extensively with each and every company to ensure everything runs smoothly from the day you begin e-filing until the end of your tax season.

If you filed taxes through one of the services listed here.

Please be aware that the Santa Barbara Tax Products Group web site may indicate funding has been received and either the taxpayer’s check is ready to print, or the direct deposit has been issued.  When the date associated with the disbursement is the current day, the check print authorizations and direct deposit disbursements should not be expected prior to 2:30 PM Pacific Time/ 5:30 PM Eastern Time

Check Republic Bank & Trust Company

With these major Tax Software companies Republic Bank gives you the freedom to choose whichever software best meets your business needs. We test extensively with each and every company to ensure everything runs smoothly from the day you begin e-filing until the end of your tax season.

If you filed taxes through one of the services listed here.

Check H&R Block

If you filed taxes through H&R Block

Check Refund Advantage

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With these major Tax Software companies Refund Advantage gives you the freedom to choose whichever software best meets your business needs. We test extensively with each and every company to ensure everything runs smoothly from the day you begin e-filing until the end of your tax season.

If you filed taxes through one of the services listed here.

Check River City Bank

With these major Tax Software companies River City Bank gives you the freedom to choose whichever software best meets your business needs. We test extensively with each and every company to ensure everything runs smoothly from the day you begin e-filing until the end of your tax season.

If you filed taxes through one of the services listed here.

Don’t see a refund transfer service for the online tax preparation company you prepared your taxes through, please leave us a comment below so that we can get it listed here!

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