Cash Advance Waiver

The Refund Transfer is an optional tax refund-related product offered by Pathward®, N.A., Member FDIC. The Refund Transfer is not a loan. E-filing of the tax return is required to be eligible for this product, and it is subject to approval. Fees apply.
Please see terms and conditions for additional details.

The Refund Advance is an optional tax refund-related loan provided by Pathward®, N.A., Member FDIC (this is not the actual tax refund) at participating locations. Program availability and loan amounts may vary based on state and software provider. The loan amount and applicable interest will be deducted from your tax refund, reducing the amount paid directly to you. Fees for other optional products or features may apply. Tax returns can be filed electronically without applying for this loan. Loans are available in amounts of $250 (where available), $500, or $1,000, or 25%, 50%, or 75% of your expected tax refund (ranging from $250 to $6,000). When calculating the loan amount, your "expected" tax refund may be affected by refundable tax credits. Loans of $250, $500, and $1,000 have an Annual Percentage Rate (APR) of 0.00%. Loans of 25%, 50%, or 75% of your expected tax refund have an APR of 36.0%, with a minimum loan amount of $1,250. For example, a $2,500 loan representing 50% of your expected refund over a 29-day term will have a total payable amount of $2,571.51, including interest. Availability is subject to satisfaction of identity verification, eligibility criteria, and underwriting standards.
Certain Refund Advance Loans are available at no cost to tax preparers and taxpayers. Pre-Acknowledgement Loans (approved prior to IRS Acknowledgement) carry a $75 Marketing Fee.
A marketing fee of $34.95 applies for every approved In-Season Advance with a Refund Transfer or loans without a Refund Transfer. A $0 marketing fee applies when using the FasterMoney Discover Prepaid Card for disbursement.
The FasterMoney Discover® Prepaid Card is issued by Pathward®, N.A., Member FDIC, under a license from Discover Financial Services. Discover and the Discover acceptance mark are service marks used by Pathward N.A., Member FDIC, under license from Discover Financial Services.
Please be advised that our Refund Advances are processed by a third-party bank. Approvals are made directly by the bank, and we have no influence over their decision-making process. The advances are not based on credit, but on consistency within your IRS records. While we cannot speak to individual tax records, some common reasons for denial of a cash advance include:

Filing status changes from previous years.
Ongoing child support, student loan debt, or IRS debt.
Claiming children who were not claimed in prior years.
Inconsistencies in prior year returns (e.g., address change, significant discrepancies, etc.).
The good news is that if a client is not approved for an instant advance, their case will undergo a secondary review by an underwriter. In most cases, they will approve the return after this additional review. Your tax professional at Zero Fuss Deals will keep you informed of any decisions made following this review.

Please sign below to confirm that you are aware of the possible outcomes and fully understand that Zero Fuss Deals has no part in the decision-making process conducted by the bank. (Fees are non-refundable.)