Refund Anticipation Loan

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If you're getting a refund, we may loan you a portion of that amount and write you a check.

With a Refund Anticipation Loan (RAL), you don’t have to wait weeks to get your tax refund. A RAL is a loan made by a bank, based on the amount of your Federal tax refund. You can have a RAL check within one to three days after filing your tax return electronically.

When you’re approved for a RAL, we’ll automatically set up a Bank One Bonu$ Account to receive your refund. When your refund is ready, the IRS (or State taxing authority) deposits it to Bank One by direct deposit. The refund pays off the RAL, and any additional funds are provided to you in a second check from the tax office.

Get the benefit of your tax money when you need it.

• Tax preparation fees can be deducted from the loan amount, so you
 may not have to pay any up-front preparation fees.
• You may pick up your RAL check at KT&J Tax Service office.
• Get up to 100% of Earned Income Credit at no additional charge.

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