Your refund, your way.
Waiting weeks for the IRS isn't your only option. Take an advance up to $7,500 and get cash fast, send it straight to your bank, load it onto a prepaid card, or pick up a printed check at your preparer's office. You decide before you file.
Four ways to get paid
Pick how your refund arrives.
Some people want their money the day they file. Others just want it in their account. Choose the option that fits — you decide before you file.
Refund advance
Up to $7,500
Get part of your expected refund fast — before the IRS finishes processing. No credit check on the advance, subject to bank approval and eligibility.
Direct deposit
Straight to your bank
Your refund lands directly in any US checking or savings account. The standard fast, free way to receive your money from the IRS.
Prepaid card
Reloadable card
Don’t have a bank account? Receive your refund on a reloadable prepaid card and spend it anywhere cards are accepted.
Printed check
At your preparer’s office
Prefer paper? Your office can print your disbursement check on-site the moment your refund funds — no waiting on the mail. A separate bank fee applies for printed checks.
Refund advances and bank-issued products are subject to eligibility, identity verification, and bank approval. Advance amount depends on your expected refund. Availability of prepaid card and in-office check depends on your preparer’s office.
Advance vs. waiting
The same refund. A very different wait.
A refund advance gives you part of your expected refund fast — instead of waiting weeks on the IRS. It’s based on your expected refund, not your credit score, so there’s no credit check on the advance.
Refund advances are subject to eligibility, identity verification, and bank approval. Advance amount depends on your expected refund. Timing is illustrative and varies by case.
Good to know
A few things worth knowing.
No surprises — here's how the money side actually works.
How fast is the advance?
A refund advance gets you part of your expected refund before the IRS finishes processing — often the same season you file, subject to approval.
Do I need a bank account?
No. If you don’t have one, choose the prepaid card or an in-office check and still get your refund without a bank.
Is there a credit check?
The refund advance is based on your expected refund, not your credit score. It’s subject to identity verification and bank approval.
Where do the fees come from?
With a refund product you pay nothing upfront — any fees come out of the refund itself, so there’s no cost at the desk.
Can I track it?
Yes. Once you file, follow your refund status in real time inside TaxWallet instead of refreshing a government site.
When do I choose?
You pick your refund option as part of filing — before anything is submitted — so you always know how your money will arrive.
Your money, handled right
Real bank partners. Real protections.
Refund products run on regulated banking rails with built-in safeguards, so getting your money faster never means cutting corners.
Bank-issued products
Advances and disbursements are issued through bank partners on the same rails behind thousands of fundings.
No credit check on advances
The advance is based on your expected refund, not your credit score — subject to identity verification and bank approval.
Nothing upfront
With a refund product you pay nothing at the desk — any fees come out of the refund itself.
Track it live
Once you file, follow your refund status in real time inside TaxWallet instead of refreshing a government site.
Established 2022 · 50+ offices on the platform · 30,000+ returns accepted last season · 98% IRS acceptance.
Choose your refund option when you file.
Start your return now. You'll pick how your refund arrives — advance, deposit, card, or check — before anything is submitted to the IRS.
Advances up to $7,500 · Subject to eligibility and bank approval