Some of our customers are not in a hurry to receive their refunds.  These customers are more likely to choose one of the IRS Direct options, or they may wish to pay for tax preparation services at the point of sale.  Those who select the IRS Direct option can receive their refunds directly from the IRS; and, when they use direct deposit, they can have their refunds deposited into their personal bank accounts within 11 to 17 days.  They can also choose to have their refunds mailed to them directly by the IRS within 18 to 21 days when they file electronically.

Qualified customers can get a Fast Refund loan* and receive an immediate advance against their federal Refund Anticipation Loan (RAL) proceeds.  This product is offered to new and returning customers who qualify and apply for a RAL, and file their federal tax returns electronically.  All bank fees and other charges are deducted from the loan proceeds, so not payment is required up front.

*RAL application and Form W-2 required.  Loans provided by Santa Barbara Bank & Trust.  Subject to qualification and $1,100 maximum loan amount.  Bank fees and other charges deducted from loan proceeds.