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Tax refund and e-filing are required in order to receive EPS Tax bank product. Bank fees apply. Product terms and conditions are subject to change without notice. Program availability varies by software and state. The Refund Transfer is an optional tax refund-related product offered by MetaBank®, Member FDIC. The Refund Transfer is not a loan. E-filing of tax return is required to be eligible for the product. Fees apply. See terms and conditions for details.
E1 Visa® Prepaid Card is issued by MetaBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and administered by EPS Financial, a division of MetaBank, and may be used everywhere Visa debit cards are accepted.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
1The Refund Advance is an optional tax-refund related loan provided by MetaBank® (it is not the actual tax refund) at participating locations. The amount of the loan and applicable interest will be deducted from tax refunds and reduce the amount that is paid directly to the taxpayer. Fees for other optional products or product features may apply. Tax returns may be filed electronically without applying for this loan. Loans offered in amounts of $500, $1,000, 25%, 50%, or 75% of your expected tax refund from $500 - $6,000. Loans in the amounts of $500 and $1,000 have an Annual Percentage Rate (APR) of 0.00%. Loans in the amounts of 25%, 50% or 75% of your expected tax refund have an APR of 36.0% with a minimum loan of $1,250. For example, $2,500 loan representing 50% of expected refund borrowed over 25 day term, total amount payable in a single payment is $2,561.64 including interest. Availability is subject to satisfaction of identity verification, eligibility criteria, and underwriting standards.
2Additional marketing fee applies for every approved advance with e-Collect and e-Bonus programs or loans without a refund transfer. Pre-Acknowledgement loans (approved prior to IRS Acknowledgement) have a $75 marketing fee in all programs.
3e-Bonus Terms: EPS will pay a $12 rebate for each funded check and direct deposit disbursement and $25 for each card disbursement. Funding is defined as any taxpayer return funded by IRS or state that covers the entire e-Bonus product price of $39.95 (account set up fee) and was funded between the start of eFile and April 30, 2020. The rebate will be sent to the ERO via ACH between May 15-30, 2020. EPS reserves the right to withhold any rebate funding if the ERO owes EPS money from duplicate checks, fraud or other issues. If the ERO office is in a declined status due to fraud on or before April 30, 2020, EPS reserves the right to withhold any rebate payments. Rebate availability varies by state and software.