Disbursement Options

There are several disbursement options available to you, including direct deposit or check. Choose the options that are right for you!

The First Advance RAL is immediate access to RAL proceeds! Qualified customers can make an instant draw on their RAL proceeds and will be able to leave the office with a check for $1,500 (minimum refund amount of $2,500).

Refund Anticipation Loan or RAL Direct (RAL) is a loan based on the amount of your anticipated tax refund. You can receive the RAL proceeds within 1-3 days after filing your tax return electronically. When the IRS (or State taxing authority, if applicable) Direct Deposits your actual tax refund, the refund pays off the loan and any additional funds are given to you.

Bonu$ Deposit Account, or Bonu$, is an account opened to receive the Direct Deposit of your refund from the IRS or State taxing authority. You will receive your money when we receive the Direct Deposit of the tax refund from the IRS.

Direct Deposit
If you choose the IRS Direct option, the IRS will deposit your refund directly into your personal bank account in approximately 8 to 15 days. You can also have your Refund Anticipation Loan (RAL)* or Bonus Deposit (BD)* proceeds deposited directly into your bank account.

Check
If you choose IRS Direct, the IRS will mail a check to your home in approximately 21-28 days. If you e-file and select a Refund Anticipation Loan (RAL)* you can come back to our office to pick up your check once the loan becomes available in approximately 1 to 3 days. Bonu$ Deposit (BD)*, you can come back to our office to pick up your check when the refund becomes available in approximately 8 to 15 days.

  *Fee applies and will be deducted from proceeds.