Bank Products for Tax Preparers: Refund Advances and Transfers Through TaxWise
TaxWise, sold through America's Tax Professionals (ATP), integrates with four bank product partners so you can offer refund transfers, refund advances, and Pre-Ack loans directly through your tax software. No separate bank application required.
Tax preparers operating in competitive markets need tools that let clients access funds quickly. Bank products (refund transfers, refund advances, and Pre-Ack loans) give your clients payment flexibility and give your office an edge over preparers who do not offer them. TaxWise integrates with four bank product partners so you can offer these options directly through your tax software without adding a separate platform.
ATP has operated as an IRS-authorized e-file transmitter since 2001.
What Are Tax Preparer Bank Products
Bank products are financial services integrated into professional tax preparation software that allow preparers to offer clients alternatives to waiting for a standard IRS direct deposit.
Refund Transfer
A refund transfer lets a client use their anticipated federal refund to cover your tax preparation fee. The bank holds the refund when it arrives, deducts the preparer fee and applicable bank fees, and releases the remaining balance to the client. The client pays nothing upfront at the time of preparation. Fees vary by partner and product; compare options within the software.
Refund Advance
A refund advance is a short-term loan issued against the client's expected refund. It provides the client with a portion of their refund before the IRS releases the actual funds. The loan is repaid when the refund posts. Advance amounts and eligibility are determined by the issuing bank, not by ATP or TaxWise. Fees vary by partner and product; compare options within the software.
Pre-Ack Loan
A Pre-Ack loan (pre-acknowledgment loan) is an advance issued before the IRS acknowledges receipt of the filed return. This is the earliest point at which a client can receive funds tied to their refund. Eligibility, amounts, and terms are set by the issuing bank. Fees vary by partner and product; compare options within the software.
TaxWise Bank Product Partners
TaxWise integrates with four established bank product providers. Having more than one partner available means you can compare options and choose the product that fits your client base.
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Partner:
Santa Barbara Tax Products Group (TPG)
One of the largest refund settlement companies in the United States, TPG offers refund transfers, refund advances, and the PayLater product, giving preparers a broad range of client-facing options through a single integration.
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Partner:
Refund Advantage
An independent bank product provider offering refund transfers and advances, with preparer fee disbursement options designed for smaller independent offices.
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Partner:
EPS Financial
A refund transfer and advance provider with flexible settlement options, suited for preparers who want straightforward product access alongside their preparation workflow.
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Partner:
Republic Bank and Trust
A full-service bank offering refund settlement products including Pre-Ack loans, for preparers whose client base needs the earliest possible access to funds.
How Enrollment Works
Bank product enrollment is managed through the TaxWise Solution Center within the software. No separate bank application is required outside of TaxWise. Once enrolled, preparers manage bank product selection and client settlement tracking through the software dashboard throughout the filing season.
Who Bank Products Serve Best
Bank products are a practical addition to any office serving clients who prefer not to pay tax preparation fees out of pocket at the time of service, who need funds before their IRS refund posts, or who are in lower-income markets where cash flow timing matters.
They are a standard offering in independent and small tax offices that compete on service, speed, and accessibility.
Bank products are generally not a fit for CPA firms or enrolled agents serving clients with complex, high-income returns who pay preparation invoices directly after the fact.
A Deciding Factor for Many Clients
If your client base includes any of the following, bank products can be a deciding factor in whether a client chooses your office:
- First-time filers
- Working families
- EITC-eligible households
- Clients who prefer to pay fees from their refund
Get TaxWise With Bank Products Through ATP
TaxWise with bank product integrations is available through Americas Tax. Visit the software page for current 2026 package pricing, or contact ATP directly with questions about enrollment and which bank product partners are active for the current filing season.
Call
224-388-1774
Reach ATP directly to discuss packages and which bank product partners are active this season.
Email or Write
info@americastax.com
Or use the contact form on the Contact page.
Offer Bank Products Through TaxWise
Give your clients refund transfers and advances without adding a separate platform. Get TaxWise with bank product integrations through ATP.