Get Money Quickly and Conveniently
Instant Money Refund Anticipation Loan* (Instant Money RAL) — You could get loan proceeds fast when you file your taxes with us and apply for an Instant Money RAL. If approved, you could receive a check or load the loan proceeds to your H&R Block Emerald Prepaid MasterCard® 1 for up to $2,800 on the spot. Your H&R Block tax preparation fees are withheld from your loan proceeds, so you pay nothing out of pocket for tax preparation during your tax preparation appointment. Also, you could avoid the loan check fee when you load an Instant Money RAL on an H&R Block Emerald Card. Use your H&R Block Emerald Card anywhere MasterCard® debit cards are accepted. Instant Money RALs are available starting Jan. 16, 2009, through Feb. 12, 2009.
Classic Refund Anticipation Loan** (Classic RAL) — File your taxes at H&R Block and apply for a Classic RAL. If approved, you could receive a loan up to the amount of your anticipated tax refund (minus bank and H&R Block fees). Within 2 days, you could receive a check or load the loan proceeds to your H&R Block Emerald Prepaid MasterCard® 1. Also, you could avoid the loan check fee when you load your Classic RAL on an H&R Block Emerald Prepaid MasterCard®. Use your H&R Block Emerald Card anywhere MasterCard® debit cards are accepted. Classic RALs are available starting Jan. 16, 2009. Special note: You may come into the office with your W-2s beginning Jan. 2, 2009. H&R Block will submit your RAL application to the lender for review when the IRS begins to accept e-filed returns Jan. 16, 2009.
Federal Refund Anticipation Check*** (Federal RAC) — Have your tax preparation fees deducted from your Federal RAC and pay no out-of-pocket expenses for tax preparation at the time of your tax preparation appointment. Plus, you can get the remaining balance of your Federal RAC (less bank fees) loaded onto an H&R Block Emerald Prepaid MasterCard®, as a check or direct deposit in approximately 8 to 15 days. Federal RACs are available starting Jan. 16, 2009. Special note: You may come into the office with your W-2s beginning Jan. 2, 2009. H&R Block will submit your RAC application to the RAC service provider for review when the IRS begins to accept e-filed returns Jan. 16, 2009.
State Refund Anticipation Check*** (State RAC) — You could get a State RAC on an H&R Block Emerald Prepaid MasterCard®, as a check or direct deposit. Refund speed varies by state. Ask your tax professional for details. State RACs are available in most states for $13 starting Jan. 16, 2009.
E-filing — E-filing is transmitting your tax return directly to the IRS electronically. You can complete your taxes or file for an extension without mailing any paper forms to the IRS. E-filing offers speed, security and accuracy, and helps you get your refund faster. The average refund for an e-filed federal return is generally received within 8 to 15 days. The average refund for a traditional return is generally received in 6 to 8 weeks.
Learn more about your refund options.
1 The H&R Block Emerald Prepaid MasterCard® is issued by H&R Block Bank, a Federal Savings Bank, Member FDIC.
Fees may apply. MasterCard® is a registered trademark of MasterCard International Incorporated.
H&R Block Emerald Card is a trademark of HRB Innovations, Inc.
This product may not be available at some locations.
This product may be covered by 1 or more of the following U.S. Patents: 6,000,608, 6,189,787, 7,072,862, 7127,425 and 7,177,829.
* Subject to credit approval and other qualifications. Instant Refund Anticipation Loan ("Instant RAL") provided by HSBC Bank USA, N.A., or HSBC Trust Company (Delaware), N.A. Your anticipated federal income tax refund must be greater than the loan amount. A Refund Account fee and a Finance Charge are charged by the lender. An affiliate of H&R Block may purchase an interest in Instant RALs. You may not qualify for an Instant RAL, but may qualify for a Classic RAL as soon as 1 day later. Amount received may be reduced for certain debt owed to HSBC Taxpayer Financial Services Inc. and its affiliates, and fees owed to H&R Block. At participating offices. Those who e-file with direct deposit without taking a RAL typically receive their federal income tax refunds in 8 to 15 days.
** Subject to credit approval and other qualifications. Refund Anticipation Loan ("RAL") provided by HSBC Bank USA, N.A., or HSBC Trust Company (Delaware), N.A. A Refund Account fee and a Finance Charge are charged by the lender. An affiliate of H&R Block may purchase an interest in RALs. If you apply for an Instant RAL, and you don't qualify, you may qualify for a Classic RAL as soon as 1 day later. Amount received may be reduced for certain debt owed to HSBC Taxpayer Financial Services Inc. and its affiliates, and fees owed to H&R Block. At participating offices. Those who e-file with direct deposit without taking a RAL typically receive their federal income tax refunds in 8 to 15 days.
*** RAC provided by HSBC Bank USA, N.A., or HSBC Trust Company (Delaware), N.A. At participating offices. Fees and additional terms and conditions apply.
* Subject to credit approval and other qualifications. Instant Refund Anticipation Loan ("Instant RAL") provided by HSBC Bank USA, N.A., or HSBC Trust Company (Delaware), N.A. Your anticipated federal income tax refund must be greater than the loan amount. A Refund Account fee and a Finance Charge are charged by the lender. An affiliate of H&R Block may purchase an interest in Instant RALs. You may not qualify for an Instant RAL, but may qualify for a Classic RAL as soon as 1 day later. Amount received may be reduced for certain debt owed to HSBC Taxpayer Financial Services Inc. and its affiliates, and fees owed to H&R Block. At participating offices. Those who e-file with direct deposit without taking a RAL typically receive their federal income tax refunds in 8 to 15 days.
** Subject to credit approval and other qualifications. Refund Anticipation Loan ("RAL") provided by HSBC Bank USA, N.A., or HSBC Trust Company (Delaware), N.A. A Refund Account fee and a Finance Charge are charged by the lender. An affiliate of H&R Block may purchase an interest in RALs. If you apply for an Instant RAL, and you don't qualify, you may qualify for a Classic RAL as soon as 1 day later. Amount received may be reduced for certain debt owed to HSBC Taxpayer Financial Services Inc. and its affiliates, and fees owed to H&R Block. At participating offices. Those who e-file with direct deposit without taking a RAL typically receive their federal income tax refunds in 8 to 15 days.
*** RAC provided by HSBC Bank USA, N.A., or HSBC Trust Company (Delaware), N.A. At participating offices. Fees and additional terms and conditions apply.